davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma (NY)

XXXX XXXX, 2017 my credit score dropped with XXXX for no reason without explanation per credtit karma. My XXXX score has dropped from XXXX to XXXX for no reason. credit karma is either reporting inaccurate information or the 2 credtit bureaus are making mistakes that suits them.
Consumer complaint received 2017-11-13
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: CREDIT ACCEPTANCE CORPORATION (AR)

I purchased a vehicle that was listed for {$6100.00}. I was told I would end up paying around {$12000.00}. I assumed this was the entire cost with financing. But it was n't I was going to have to pay over {$16000.00}. I was rushed through the paperwork via computor signing of the contract. The vehicle had issues and was n't worth what I was charged. It is/was a lemon. It kept breaking down on my. This last time it broke down out of state. Assuming the fuel pump went out. But it would not start. This just 7 months after purchase. I 'm on XXXX and ca n't afford a high payment for a piece of junk. I could n't afford to keep getting it fixed. I contacted Credit Acceptance who finaced the vehicle and told them to go get it. They call with robo calls day and night even calling on Sundays, which I know is illegal. But I think they take advantage of people by ripping them off charging outrageous prices for vehicles they know are n't worth the prices they are upping them to and suckering you into signing the contracts. More so when you cant get but a few months use before it breaks down.
Consumer complaint received 2017-11-13
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. (OH)

On XX/XX/XXXX I sent a bankruptcy/tax lien removal letter to both Equifax and XXXX XXXX XXXX. I called on XX/XX/XXXX to get results. Upon receiving my results I was made aware that they verified my information. I did not ask for a verification, but a validation. The Bankruptcy/Tax court does not verify information with the credit bureaus. In my request for VALIDATION ; NOT VERIFICATION ; I stated '' The EQUIFAX /XXXX XXXX XXXX needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). " XXXX, the system in which they use to VERIFY ; NOT VALIDATE AS I REQUESTED ; this not in compliance with FCRA laws. Both credit bureaus verified that they did not receive nor request the required documentation that is required and requested by the consumer. This is a violation. I am requesting the bankruptcy and tax lien be removed from my public recorded immediately within 30 days as stated ; " Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau.
Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against the EQUIFAX Credit Reporting Bureau. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau. "
Consumer complaint received 2017-11-13
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: Experian Information Solutions Inc. (GA)

I spoke with a rep last Monday at Experians consumer affairs area. The rep initiated the disputes on my behalf. I faxed over a copy of the police report to them. They did n't ask for anything else. I get an email from them on my work email saying that they could n't honor my request because they needed additional information. I am going to submit it through here that way there is a paper trail. Experian is looking at a lawsuit. I am a victim of identity fraud and I have sent over the required information. I also have proof that was sent over to them and that the fax succeeded. I am attaching that snippet in my documentation. I am also sending over another copy of the approved police report that I sent, a copy of my dl, a copy of my electric bill as well. I anticipate this being finished by the end of the week or I will be filing a small claims lawsuit first thing next Monday morning. I am going to submit a complaint with the ftc as well so that my lawsuit is no surprise. I am over this and very tired of it. I expect to see this resolved no later than Friday. Please see documentation.
Consumer complaint received 2017-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (WI)

XX/XX/XXXX Consumer Financial Protection Bureau RE : Complaint against Chase Credit Card, XXXX XXXX XXXX, XXXX, DE XXXX and Chase Cardmember Service, XXXX XXXX XXXX, XXXX, IL XXXX To Whom It May Concern : I am filing this complaint against XXXX because they are corrupt and not listening to me. I entered into an agreement with them back in XXXX XXXX, whereby I would make monthly payments of {$44.00} on an account that has been closed for at least one year to date, account # XXXX XXXX XXXX XXXX. 

I received a paper statement from Chase in XX/XX/XXXX and noticed they were charging me interest on purchases and also charging me fees ( unstated ) on an account that has been closed. I called them to talk to them about this and they refused to help me when I asked them to waive the fees because Im no long authorized to make purchases on an account that is closed. I also told them with what they are doing my balance will never go down. So, since they refused to do anything to help me, I told them I will no longer make any payments on this account and they no longer have my permission to take money from my bank account. I also told them they can take me to court and I will tell the judge why I quit paying them. 

Today I checked my bank account and they have taken {$44.00} out of my checking account on XX/XX/XXXX. I have spoken to my bank and do not want to pay a {$35.00} stop payment fee ; however, I do not want them taking money from my account anymore. 

Supposedly their conversations are recorded ( at least thats what I heard when I called them to complain ). 

I need your help. I want them to refund my money back to my bank account. If they dont want to waive the interest charges and random fees on a closed account, I refuse to give them another payment. I am not wealthy and I do want my credit to be good again, but they are messing it up on me there too. They are doing hard inquiries on my credit bureau report which I never authorized them to do, and since they did that, my score has dropped 41 points. I think they need to do something to reverse this damage to my credit as well. I never authorized them to pull any of my credit bureau reports. All they are doing is further damaging my name. 

I will forward a copy of the paper statement that shows the new minimum balance of {$130.00} and has no mention of any payments made to date on this statement. It also lists the fees and interest charges on the bottom. This in my opinion is nothing less than pure greed and corruption. I will also forward the letters saying my account is past due, etc., and thanks for scheduling my next payment for XX/XX/XXXX ( this is fraudulent because I told them to stop taking my money out of my account weeks earlier ). 

Thanking you in advance for your help. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX
Consumer complaint received 2017-11-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY (PA)

On or about XX/XX/XXXX I initiated a balance transfer of {$7200.00} from XXXX XXXX to Wells Fargo bank. Wells fargo did not give me access to the money until XX/XX/XXXXstateing they could not find it in their system because the account access number on my actual physical card was used instead of the main account number. I sent proof of the cashed check showing they cashed the check and had the money in their possession since XX/XX/XXXX. The account access number and the main account number both go back to the same account so they should have been able to locate and give me the money much sooner than they did. Since I had to take cash advances from other cards to compensate for the {$7200.00} they had tied up for approximately a month and a half I requested to be compensated on some level for the extra expense their time delay caused me. I requested to be compensated {$300.00} or waive the balance transfer fee of 4 % on 1 future balance transfer from one of my Wells Fargo credit cards. They said they wo n't do anything.
Consumer complaint received 2017-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NJ)

Closed on a mortgage with XXXX XXXX and the servicing was immediately sold to Dovenmuehle Mortgage in XX/XX/XXXX. We received 1 mortgage statement on this loan and have yet to receive another one. We started calling Dovenmuehle in XX/XX/XXXX to see what was happening and were assured that statements had gone out but we never received them. Called again in XXXX and was told the same thing. We went online at the end of XXXX and requested to receive e-statements since we were not receiving them via USPS. Once the e-statement was published, we realized that Dovenmuehle Mortgage had changed the zip code in our address by one digit and that was causing the mailing address to be in a different town and a different state! We attempted to call Dovenmuehle to have this corrected and we were instructed to send an email. After a couple of weeks, we received a response saying that an email was unacceptable and they needed a signed letter. We responded and asked them to please review the documents that we signed at closing - our property address and mailing address were and always have been the same. We received a message on line after 2 weeks saying that the address was corrected but the message was addressed to someone else, not our names. To date, we have yet to receive one piece of mail from Dovenmuehle Mortgage. We logged into our online account with Dovenmuehle today and discovered that they had put lender  hazard insurance in the amount of {$7900.00} on the account!!! We do not have an escrow account with this loan and we do have hazard insurance in place. Apparently, they sent a notice to the incorrect mailing address that we have been attempting to correct for proof that the hazard insurance had been renewed in XXXX and when they did not receive a response, they forced a policy on the property. We spent quite a bit of time on the phone trying to even figure this out. Considering that we have been calling Dovenmuehle and emailing and sending messages through the website, the customer service level has been absolutely awful!! Our insurance agent is contacting Dovenmuehle to get them the insurance policy but the way we have been treated by Dovenmuehle is abominable and the incompetence that seems to run rampant throughout their organization is frightening. We do n't know who to turn to for assistance since we can not seem to get any answers from Dovenmuehle Mortgage.
Consumer complaint received 2017-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

According to the Fair Credit Reporting Act, I am permitted to have accurate and true information reflected in my credit report. To accomplish this, I have requested that my good pay history with XXXX XXXX be added as soon as possible. The account has been open since XXXX XXXX, 2014. The account number is # XXXX This account is a reporting subscriber to Transunion, and I have asked numerous times for it to be added to my credit file. 

I understand that, A consumers credit report should reflect completeness and accuracy within a reasonable time after notification by the consumer. I look forward to receiving an updated copy of my credit report reflecting this change.
Consumer complaint received 2017-11-29
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Peerless Credit Services Inc (PA)

XXXX XXXX was told repeatedly at peerless credit to not call my work number. He proceeded to contact my work 2 more times after asked not to. I am not allowed to receive personal calls at work and this is a violation of my employment. My wife asked him to leave a message with her and she would forward it to me because of the work policy and he told her that he was not allowed to leave messages, even though he left two messages with the secretary at my work. Giving his name and who he was trying to contact. Also threatened us after we questioned him about policies in Pennsylvania about the debt and history of it ... he told us we owed the full amount in 10 days or we were going to be sued for it. 

He called my wife twice at XXXX XXXX and again at XXXX. No messages left. He called me on my cell twice the same times XXXX, XXXX, and XXXX. He also called my employer between those times twice and left messages.
Consumer complaint received 2017-12-07
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Lenders Investment Trading Corp (FL)

Lender ( RP FUNDING ) not only failed to disclosed that the PMI will be for the life of the FHA loan, but their loan officer ( XXXX XXXX ) provided inaccurate information stating, the PMI collected every month will be terminated at 11 years. According The the Federal Housing Administration / HUD this is not true for loans originated on or after XXXX 2013. My personal opinion do not trust or so business with RP Funding, additionally their cushier services provides misleading information not in a timely manner and usually, stating the information without provided within the time required by law, but not providing what the time required by law is. The PMI for life regulation of XXXX 2013 is unreasonable and by no means protects the consumer but money hungry computations. It is sad how this organized crime and scam is supported by this U.S government I now serve as a member of the XXXX XXXX XXXX.
Consumer complaint received 2017-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NJ)

I transferred XXXX MR points from my american express membership reward account XXXX to XXXX XXXX XXXX on XXXX and it was successfully transferred on the same day. XXXX made another transfer of the same amount XXXX on XXXX and could not explain where the points went and I did not receive the other XXXX points on my XXXX account.
Consumer complaint received 2017-12-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

My complaint against Portfolio Recover Associates ( PRA ) is based on their inability or flat-out refusal to provide the original TERMS of my XXXX XXXX Credit Card # XXXX. I have disputed the amount owed since the very first phone call with PRA. PRA has stated over a dozen times that they have received all available documents pertaining to my account. They have only provided random statements and agreement. Any and all phone calls with PRA were recorded and available. The TERMS are included in the welcome package along with the Agreement and new credit card. The TERMS are specific to a borrower and will vary based on the borrowers credit profile. The Agreement is  a universal document that can easily found on the internet. The TERMS come in two pages and consist of the following : Credit Limit, APR for Purchases, APR for Cash Advances, APR for transfers, Penalty APR when it applies, Paying interest, Minimum interest charge, Annual fee, Transaction fee, and Penalty fee. The Agreement does not have any information specific to the borrower. It is my understanding after reading the CFPB procedures required by debt collectors, that one of many things a debt collector must do when purchasing debt from another party is to validate the amount due and determine whether any fees charged were permitted by contract with the original creditor. Question Onewithout having the Original TERMS to my specific XXXX XXXX account, how are you able to confirm that the balance youre trying to collect? Question TwoIve attached the XXXX XXXX statement with a closing date of XXXX which was 3 months prior to the charge-off. The statement includes total fees for XXXX of {$180.00}, can you confirm with 100 % certainty that all fees charged in XXXX were as-agreed to by XXXX XXXX when they extended credit? How about the {$58.00} in fees charged in XXXX? Question ThreeWhy would XXXX XXXX refuse to let PRA provide me with my Original Terms and Agreement? On XXXX I had a phone conversation with XXXX from PRAs dispute department. On a recorded line she clearly stated that XXXX XXXX didnt want PRA to send me my Original Terms and Agreement, why would they do that?
Consumer complaint received 2017-11-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

When I attempted to cash two reimbursement checks with XXXX bank and XXXX banks in XXXX XXXX, Michigan, I was informed that I had an issue with XXXX reported that I had an outstanding balance with XXXX Michigan XXXX XXXX. I went to XXXX Michigan XXXX XXXX on XXXX XXXX XXXX, Mi and spoke with XXXX XXXX ..., she informed me that there was not such an issue with the credit union. Now that she " no longer works there '' per XXXX staff, i got an emailed copy of a statement dated XXXX XXXX stating that there was an overdraft on my account and that it was paid within that same month. See copy. I want this negative credit/banking activity to be removed from my credit report because its been 46 months since this burden has refrained me from opening banking accounts to manage paying debts or receiving deposits to pay debts. XXXX reflects derogatory statements about and ruins my credit ability. XXXX acts are unconstitutional and has helped to ruin my livelihood.
Consumer complaint received 2017-11-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

We already have a pending CFPB complaint that SPS has not responded to. In addition to that complaint, we are having issues with SPS now fabricating problems with our paperwork so that they can further delay our file. XXXX spoke with XXXX says need XXXX, need XXXX - did XXXX and submitted XXXX. XXXX with XXXX on XXXX - she confirmed XXXX and the " additional expenses ''. I sent in XXXX XXXX. Sent 1st lien approval on XXXX - resent to XXXX on XXXX while on the phone with him. No mention of needing XXXX. Sent in updated HUD XXXX due to SPS delays. XXXX with XXXX on XXXX - says still showing opened for a MOD review?! She was escalating the file on XXXX says we will have a reply in 48 hours. Called today - rep acts like there is no ESC, like file has never been sent to Investor and that no docs have been submitted. 

Today the escalations representative XXXX is telling me that they are still missing documents and that there is a pending counter offer. This has already been addressed - so now she says that although we used the SPS form we should have known to insert a signature and date on the pages of the XXXX that do not ask for it. I 'm not sure how we would know to do that or why they would n't put the signature block and date in there if that is what is required. 

I am now on the phone with a supervisor XXXX who says that was the wrong form ( although it was on their web site ) and that he will fax and e-mail me the form needed. That the previous rep was incorrect that we do not need to fabricate a section for a signature.
Consumer complaint received 2017-11-13
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: GREAT LAKES (MA)

Loan company is reporting late payments on my account that was transferred to another lender. I have contacted the loan company and they have refused to remove the incorrect information. The loan that is reporting late payments is for a loan obtained in XXXX and XXXX or so which was for the amount of {$2500.00} initially, which was sold to another loan company in XXXX. The amount of {$13000.00} is for loans that I obtained in XXXX from XXXX XXXX which have never been late and were not opened XXXX as reported.