davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (GA)

In XXXX 2013, I was unable to pay the mortgage. I had a bad renter that I had to evict, and the situation drained our savings to keep paying the mortgage. We have XXXX XXXX children, and we ca n't choose Chase over our children. I called Chase Bank to let them know the situation and to see if I could make a few smaller payments to get caught up again. I had also called them prior to the missed payment letting them know I may not be able to pay if we could n't get a renter in place in time. They said they could n't help unless I was 90 days late and would n't even talk to me about any options. After I missed the XXXX payment, I hired an attorney to help. At this point, Chase told us that they would not issue any late fees or report any late payments to the credit agencies. They honored that for a few months, then the late fees started and so did the reporting to the credit agencies. They keep reporting that I 'm 30 days late with each payment, but there has only been XXXX month that I was late because I did n't have the money to pay it. I 'm not asking to have that payment forgiven, I just wanted to work out an option where I could afford to pay the late payment back over a few months. We were able to get a renter in place to cover the XXXX payment, and we have n't missed another payment since. 

I work at a financial institution, and these practices by Chases are putting my job in jeopardy. All I wanted was to be able to work out a small payment plan to get caught up, and now I may have to sue Chase in order to make them do what they said they would do, which is to waive the late fees and not report any late payments to the credit agencies. I have been fighting this battle for a year and a half because Chase continues to use bully tactics to bully customers in to doing things the way Chase wants them done, not the legal way to have them done. If I lose my job over Chase 's practices, I will take them to court and sue them over this. It seems that Chase would rather you miss XXXX payments in a row in order to start a foreclosure process. Seems like a way to make extra money by bullying customers in to foreclosure.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX  XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off.

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ridge & Valley Realty, Inc. (IN)

I argued the validity of the XXXX debts - XXXX XXXX and XXXX XXXX - that this company has listed on my credit report. They never provided proof of validity. I contested and disputed both with the company directly and with all three bureaus. I am in firm belief that this company is in violation of the FCRA because even though I argued the validity, I was forced to pay the debt in order to close on my mortgage. This was paid in the summer of XXXX. I paid with the expressed understanding that this would be removed from my credit report. It has not been removed. I continue to dispute to have the collection removed. They refuse. The debt has been paid for XXXX years and it is still showing up which is drastically impacting not just my scores but my finances due to being forced to pay higher interest rates even though I argued that the debts arent mine. I told them I was paying the collections but was not admitting to being the responsible party. Regardless of validity, the debts were paid and were promised to be removed. Ive called and asked for their removal and they refuse saying they wont be. It serves no purpose except an abuse of power to keep those collections reported, especially when I was promised theyd be removed if paid in full, which they were. This is predatory and abusive and not fair credit reporting. Furthermore, the company couldnt get their information reported correctly as they reported conflicting balances due across the three bureaus. On XXXX, they claimed {$1000.00} was owed for XXXX and on the other XXXX claimed {$840.00} was owed. Clearly their record keeping isnt accurate nor is it being reported accurately.
Consumer complaint received 2015-10-07
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (NM)

We have tried for nearly 2years to get a loan on our houses without success. Have also tried to, refinance our business property with out success. We are both in our XXXX. My husband is self employed and I am still working full time. Our home is not mortgaged and our business is with a high interest. The properties are worth XXXX XXXX.We have tried various loan sources who promise a lot. My husband is a veteran and we can not get at VA loan. We get no response as to why.
Consumer complaint received 2015-10-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

I have a property in XXXX, Virginia and the mortgage was transferred to Selective Portfolio Servicing Inc. ( SPS ) from XXXX about five months ago. I recently received a letter from SPS that my annual taxes had increased from {$1700.00} to {$6900.00}. I called SPS customer service to dispute as my tax is still {$1700.00} yearly and was advised to send a copy to prove otherwise. I obtained a copy of the annual tax and faxed it to SPS. I have called and been advised that the fax was received. Since sending the fax I have called them by phone nearly daily for the past two weeks with the same answers that my faxed copy had been received and being investigated. However, the last time I called 3 days ago, I was told that they received my fax but nothing further had been done. This has resulted in a $ 500+ increase in my taxes. I do n't believe this organization is honest as the information on annual taxes are easily retrieved from the city 's website.
Consumer complaint received 2015-11-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (AL)

I have discovered someone stole my identity and opened several accounts with Wells Fargo without my knowledge. The fraudulent accounts were foreclosed on and others sold or transferred to XXXX parties XXXX, XXXX XXXX XXXX XXXX and others from the XXXX XXXX XXXX and XXXX XXXX XXXX. 
Wells Fargo was informed however never corrected inaccurate information listed on my credit report. The inaccurate information continues currently to cause financial harm.
Consumer complaint received 2015-05-05
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Performant Financial Corporation (MD)

I received a letter yesterday XXXX/XXXX/15 for a debt I do not owe from. this company named Performant Recovery Inc. XXXX XXXX, XXXX , CA , XXXX. Collectors Name : is XXXX XXXXCollection Phone : XXXX. Main Line : XXXX. I contacted The Dept of Treasury and they give me the number for The Federal Trade Commission for whom I called to file a complaint.
Consumer complaint received 2016-03-01
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (TX)

First, we tried to resolve the subject dispute with citicards, the credit card issuer for several months, and could not resolve the issue. 
Briefly, we are disputing a charge on our credit card for a purchase where we did not receive the services we purchased. 
We have provided our explanation and related documents to show how the services we purchased were not provided by the merchant, to citicards, during the course of the dispute process. 
Unfortunately, citicards refused to direct our complaints and documents to the relevant merchant and demand an explanation from the merchant regarding our claim. Or, if citicards indeed have communicated with the merchant regarding this complaint, they have failed to provide that communication to us. 
The issue here is that : Does a credit card issuer such as citicards, have a fiduciary duty to ensure that the charges on a cardholder 's account are legitimate and products and services purchased using their credit cards are actually provided. And, what are the responsibilities that a credit card issuer has when a charge becomes illegitimate and products and services are not provided by the relevant merchant?
Consumer complaint received 2015-04-10
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FMS Inc. (MI)

This was my ex-wifes debt that has been investigated by XXXX, XXXX, and experian and proven as Not My Debt and removed from my credit reports. I have sent this company MANY letters showing my case results and they continue to send me settlement offers monthly that even acknowledge that it 's my ex wife s debt!
Consumer complaint received 2015-06-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I deposited about {$3000.00} MO checks to my Capital One 360 checking account over the weekend. Yesterday, XXXX/XXXX/2015, I received an email wanting me to call XXXX and stated if I do n't, Capital One may close my account. I called immediately, waited on the line for over XXXX minutes, listening to music and no one came. Finally, I hung up and called again. Same results. Today, XXXX, I called right at XXXX when they open but still the same results : waiting, listing to the music and no one I was able to talk to. Please help. I need access to my deposited money.
Consumer complaint received 2015-08-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

I had a assault from this company procollect. I 'm XXXX XXXX And Have Been Threatened With Phone calls, Fino scores, housing issues, higher interest rates, and they have broken the civil service act as Im a XXXX soldier XXXX and they were laughing and yelling at me over the phone over a medical bill from XXXX. I 've been denied home, business loans, and any financial access to loan from this medical bills that are paid off and a furniture bill that is n't mine. I have medical bills paid off from XXXX hospital of XXXX Texas and an furniture bill that was put against me during my XXXX in a XXXX. Both of these are not my bills and have been harassed day and night to include contacting Fico companies fraudulently hurting my ability being XXXX further. This company is called procollect.
Consumer complaint received 2015-10-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (IL)

US bank for the past month has put a hold on my account due to a returned check. Since XXXX I have been having problems with them, they have closed a couple of my accounts without due diligence of verifying any information with me and have also opened account without my authorization under my name. US bank has been refusing to give me specific accurate information about my checking account. They were stating that I have a check that they were unable to verify, but it did get deposited and instead since they are not able to verify, they will just deduct that money from my account they are forcibly closing and then send me the remainder. US bank had restrictions and a hold in my account where no deposits or deductions were to be made, but they still let another deposit in the account and continue to deduct money without my authorization. US bank has been unprofessional and their communication about my funds that I work hard for has been incredibly a big financial issue and stressor.
Consumer complaint received 2015-11-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (OR)

I have been a member of US Bank for the past five years and I have a strong relationship with the branch located @ XXXX grocery store # XXXX, the employees arealways so friendly and caring about me. However every time I call their phone bank department @ XXXX I feel discriminated against for being transgender. My voice sounds like a female but my name is typically used for boys ; therefore they always deny service and ask me to go the branch and present photo ID. I understand that it 's for security however when I go to the branch and present photo ID i expect them to notate their system of record and take a photo copy my ID so that going forward I can be serviced in their phone bank department like any other customer. Instead there always incredibly rude and ask me to go to the branch and show photo ID. It 's ridiculous I should be able to use all the banking tools available to every US Bank customer. Due to my job schedule, sometime I find it very hard to go to the branch and I want to use the phone bank dept. but I feel discriminated against every time I call. I have told them several times my situation and they continue to be discriminatory against me. Also there is no communication between departments. Sometimes I get lucky enough and I 'm able to speak to a rep. with no issues but as soon as they transfer me, it starts all over.. I have to answer several verification questions and then at the end they tell me to go to the branch.. I just feel so hurt sometimes, because they were my first bank ever and I just feel very discriminated against and not wanted ...
Consumer complaint received 2015-05-15
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: World Acceptance Corporation (SC)

This is my XXXX complaint against this company. I 've told them numerous times not to contact me during my working hours of XXXX, and they continue to do so. They also discuss my account with third parties that I have listed on my account as references. They do n't state the company name in phone calls or messages, and when asked by a reference what company was calling they refused to give the name, just that they 're a tax service in XXXX XXXX. They then proceeded to tell my girlfriend details about my account and asked that she bring them a payment for my account. This is all after she and I have told them that I put a check in the mail because I would n't be able to make it to their office to pay it in person. I feel like their harassing and deceptive collection practices are against the law.
Consumer complaint received 2015-11-30
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (IL)

Hello, This is regarding an incorrect late mark on my credit report by Macy 's. Macy 's removed my auto pay set up with out my consent. I received a call from them a month later stating that I had a late payment for XXXX 2014. I talked with the rep and we did digging to find out why the auto pay got cancelled and she confirmed that Macy 's canceled it on their end. She mentioned that the auto pay got cancelled because my minimum for prior months was XXXX ( of course because I did not use it those prior months ). The minimum payment should have been documented as XXXX ; not the cancellation of my auto-pay. The rep agreed and removed the late fee that resulted from this error ( see the XX/XX/2014 attachment ) and took the payment from me. I reviewed my credit this XXXX and found the late mark from Macy 's still on there despite the fact that this should have been resolved last year. I have contacted Macy 's several times regarding this and they have been very rude and. I then proceeded to dispute this information. The first time I only had a description of the issue on the dispute and they responded " current and 30 day late payment ''. This was not my fault and was an error on their end. I then disputed once again and called the credit bureau to see if there was any way to send attachments as proof. They let me do that. Macy 's did not look at this information and responded to the dispute with a " " blank space. No comment, no explanation, no nothing. I have attached these documents and decided to file a complaint on them. Their approach is completely inappropriate and their negligence to review all supporting documentation that came with the dispute is unacceptable and leads me to believe that they are not willing to take responsibility of their mistakes.
Consumer complaint received 2015-08-01
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (NY)

XXXX/XXXX/XXXXDear CFPB : Chase Visa defrauds me of {$55.00} charged to visa XXXX which XXXX charged on XXXX for a plan. 
XXXX breaches agreement for the plan. XXXX bills me for services. One service is to provide working CDs. The agreement provides XXXX to provide me XXXX working CD 's. 
XXXX does not fulfill its service or its contracted promise. 
XXXX refuses to send a working XXXX ( XX/XX/XXXX ) CD. 
XXXX sent me out XXXX technically defective cd 's. XXXX knowingly sends out CD 's it knows do not work or XXXX fails to check out that they work. I conclude that the service is not compliant with the contract. I reject that I am paying for services not cd 's. 
If I pay for services of a CD and the CD is never sent so that it works and XXXX does not address this problem then XXXX breaches its service and Cd agreement. Otherwise I would be asking for the same XXXX XXXX infinitely and never get it -- XXXX would be in violation. 
Specifically I paid XXXX {$55.00} for one month to send XXXX and it was sent over and over to me and never worked and I timely complained to XXXX and XXXX just kept ignoring and sending more nonworking CDs. XXXX breaches its contract and I wont pay this {$55.00}. 
I want the {$55.00} or I want XXXX XXXX ( XX/XX/XXXX ) working now. 
XXXX does not get eternity to send me XXXX working CD. It is unreasonable for Chase to say I pay for services and permit XXXX to send nonworking CD 's over and over. It is abusive. It violates the XXXX agreement. 
I wo n't settle. Give me XXXX working XXXX XXXX ( XX/XX/XXXX ) CD now or give me a refund. 
Nothing less will do. Otherwise I will take this to small claims court. 
If XXXX sends me another cd and it is again technically not working then I will save it as evidence for court. 
Basically XXXX refuses to deal with the royalty or technical rights issues preventing my playing this CD and ignores the problem. 
It is unreasonable for me to have accept continued XXXX XXXX replacements which are technically defective. This is not living up to the agreement. Specifically if an XXXX XXXX CD is not sent within one month then I am within my right to get a refund or give an ultimatum : send XXXX working cd of easy money ( XX/XX/XXXX ) or refund. 
No more abuse of my rights. 

Chase fails to take action to get me {$55.00} or get me a working XXXX XXXX ( XX/XX/XXXX ) CD. 
Chase excuses XXXX 's breach. Chase states XXXX has eternity to send me a working CD. I disagree. I do not excuse XXXX 's breach. Fix the problem or refund. 

I want {$55.00} or I want Easy Money ( XX/XX/XXXX ) CD now and it must work. 
I do n't excuse XXXX from its contract.
Consumer complaint received 2015-07-30
Product: Other financial service — Foreign currency exchange
Issue: Excessive fees — 
Company: JPMORGAN CHASE & CO. (NY)

On XXXX I stopped by the branch to purchase {$2000.00} worth XXXX for my vacation trip. On Tuesday XXXX I received XXXX XXXX in exchange for USD XXXX that were debited from my savings account. This means the USDXXXX exchange rate applied was XXXX. 

However, the official USDCXXXX exchange rate on XXXX was XXXX ( according to XXXX XXXX. This means that, in absence of commissions and at a market rate, I should have received XXXX XXXX. The difference is XXXX XXXX or USD XXXX. 

The rate applied implies a 11.03 % fee for executing this transaction. This is a hidden fee, as it is not disclosed anywhere but implied in the exchange rate, and its size is absolutely abusive. The transaction itself is very simple and does not involve pretty much any costs for the bank whatsoever. 

I sent an email to the company through their customer service center to express my discontent and they told me to go to the branch. At the branch I was told that those are the exchange rates the firm approves and there was nothing they could do. 

I understand there have to be fees associated with a specific service provided, but those fees should be transparent and not hidden in a extremely unfavorable rate for the customer, who does not have an alternative way to acquire local currency.