davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (FL)

I 'm filing a complaint during the approved programs Unemployment forbearance program XX/XX/XXXX - XX/XX/XXXX and Home Affordable Modification Program ( HAMP ) XX/XX/XXXX - XX/XX/XXXX. I received numerous calls from the Collections department and letter stating additional payments are due to avoid foreclosure proceedings regardless of the approved programs. I have fulfilled the program requirements making the payments as agreed to maintain on the approved program and additional payments to avoid foreclosure. 
Chase unwilling and unable to provide detail payment posting history explanation of payments, refunds, credit transfers and credits during approved programs Unemployment forbearance program XX/XX/XXXX - XX/XX/XXXX and Home Affordable Modification Program ( HAMP ) XX/XX/XXXX - XX/XX/XXXX. Payments over the monthly approved amount were placed in unapplied principal as credits and then posted to account as additional account payments. When Chase was contacted concerning creative account regarding the overpayments during the approved programs, I was informed this was a standard practice and the unapplied principal is not refundable back to the lender or can be used as future payments. I have attached the approval letters for both approved programs and account transaction history. 
Please review my case to determine if Chase applied the payments applied in acceptable manner during APPROVED government regulated programs.
Consumer complaint received 2015-09-22
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I am trying to buy my first home with section XXXX homebuying it has been a long process, I was told that only to banks in the area do this types of loans so I called XXXX after speaking with a mortgage officer at Santander bank and him pulling my credit twice I was told my score was to be at XXXX. I was at XXXX and he was like that 's ok if it 's the same they are willing to do a rapid rescore. After doing everything he ask and dropping all documents off to him he now states he is unable to do my loan that I should find another bank to help me. I have done everything I was ask. He also talked about other loan then emails me to say that they are unable to do those types of loans with section XXXX homebuying. I now have to dents on my score due to his not telling the truth he also did n't state that the bank required a XXXX score in order to be approved. I been turned down by many banks that are not willing to help because I am doing section XXXX homebuying. I have called and called and everyone says no we do n't do those types of loans. I not sure what they mean seeing that it is a subsidy to pay a portion of my mortgage.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$980.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX {$6500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$4400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00}
Consumer complaint received 2024-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-04-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: U.S. Collections West, Inc. (AZ)

This debt was fully paid through garnishment and fully satisfied on XXXX XXXX but they continued to garnish my wages even after I contacted them to stop. They threatened to take me to court again and claimed I owed them an additional $ XXXXXXXX. The collection agency attorney even sent a signed court document dated the XXXX of XXXX showing my full satisfaction of the debt. I had to file for a hearing with the judge in order to get the cease garnishment letter filed and as an attempt to recover my over paid funds. Then on XXXX XXXX the attorney for the collection agency sent me another letter claiming I owed them {$2400.00} and that I needed to provide more proof that I did n't owe! This company and their attorney are violating the Fair Debt and Collection Act, exercising malicious prosecution, and abuse of process! I have paid my debt now they need to leave me alone!
Consumer complaint received 2024-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

As per the guidance from the Consumer Financial Protection Bureaus ( CFPB ) the document needed and the letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. 

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 2015-09-22
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

I have been disputing late fees with merchant for over 4 months. Credit issuer changed banks, payment was submitted and returned. Contacted merchant and provided bank documentation showing returned and paid checks - was told by CSR that they would credit account of late fees due to their internal error in posting payments. I have called at least XXXX different occasions, merchant continues to charge late fees and refuses to credit the late fees all the while tacking on more late fees. 

Contact dates/reps : XXXX XXXX, XXXX XXXX @ " XXXX '', XXXX XXXX @ " XXXX '', XXXX XXXX @ XXXX XXXX
Consumer complaint received 2015-09-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CREDIT BUREAU OF NAPA COUNTY, INC. (NJ)

I had cancelled XXXX phone line XXXX years ago, but kept the line for my daughter to use XXXX. We cancelled this line after paying in full at the beginning of this year. I 've endured numerous phone calls from XXXX XXXX since. I 've been told the XXXX number was on hold due to my being XXXX but had recently been re-activated ( I never have been in the military and never told them this ), and I 've been told I owe everything from {$100.00} to {$16.00} to {$47.00} ; sometimes their reps were rude and aggressive. Every time I called them, I had to wait on hold, sometimes for over an hour, to speak to a service rep. and each time I called I got a different story and a different payment amount. Each time I called, I requested and was promised documentation of the call. Sometimes I requested and was promised an email which of course never arrived despite repeated follow-up calls on my part. XXXX XXXX just kept sending me bills in different amounts as if I 'd never called. Now it appears that XXXX XXXX has engaged the services of Chase Receivables, a XXXX XXXX XXXX in XXXX, CA who have written with a demand for payment. I sent them a request for documentation and received no response. I then sent them a formal dispute of this charge and wish to ensure that my credit rating is not affected negatively. I cancelled my accounts and paid in full, only to have XXXX XXXX continue to attempt collection in various amounts over the course of over 4 months. I simply do not owe them this money and they 're just hounding me until I give up and send them a payment to make them go away. Disgusting way to treat a customer.
Consumer complaint received 2015-09-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NJ)

After months of disputing the XXXX XXXX XXXX Tradeline on my Equifax report - and getting this final response from them, stating there is nothing wrong with the account, its been verified, and is reporting correctly - it stays on my credit report. Copied response is below. 

" Response disputedEquifax said : Explanation of closureEquifax has reviewed the complaint and its records. Please be advised that XXXX XXXX XXXX account number ending in XXXX was disputed on XXXX XXXX, XXXX XXXX, and XXXX XXXX, 2015. XXXX XXXX XXXX has advised that your status is reporting correctly on the Equifax Credit File. Please be advised that charged off accounts that are reporting a XXXX balance are considered to be closed accounts. For any additional information regarding this account, please contact XXXX XXXX XXXX directly at ( XXXX ) XXXX. Our records conclude that a copy of your Equifax Credit File was sent on XXXX XXXX, 2015. If you should have any additional questions or concerns in regards to your Equifax Credit Report, please contact us directly at ( XXXX ) XXXX. " The problem is - on XXXX XXXX, 2015 - this tradeline was deleted. It has disappeared from ALL records at Equifax ( I just called them ) and the only remnants are the XXXX disputes I filed in XXXX and XXXX of this year. 

By Law - I am entitled to a written explanation for all disputes, and this deletion has never been accounted for. 

Equifax - please explain and provide any supporting details for the following. 

1. Why was this account deleted? Please provide the method and the owner of such the decision as well. 
2. Why was notification of a deletion of this disputed account - not provided in writing? 
3. Where is the NEW credit report that reflects the change to this disputed account? 
4. All responses are requested through US mail. 
5. This account has not aged out, as per FCRA/XXXX reporting specs.
Consumer complaint received 2015-09-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

I recently received a full payment history and realized the following:1 ) When I modified my mortgage ( HAMP ) XX/XX/XXXX, Wells Fargo XXXX {$15000.00} to the principal without explanation. 
2 ) I was charged third party fees for my HAMP modification. XXXX for {$120.00} and XXXX {$50.00} fees. My understanding is that is not legal. 
3 ) Any monies I paid in excess of my mortgage payment were not applied to my principal balance. 
4 ) {$1000.00} incentive payments are applied in XX/XX/XXXX instead of their anniversary dates in XX/XX/XXXX. 
5 ) I should have received a {$5000.00} HAMP incentive payment on my 6th year anniversary on XX/XX/XXXX.
Consumer complaint received 2015-09-22
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (VA)

Making payments on time to Well Fargo. XXXX completed a credit check and determined that our account should be closed, so Wells Fargo closed it. 

I am working to keep our credit as good as possible, although we are having trouble. I paid this bill one time each month and now get to pay a bill to a closed account. Very discouraging and hope to never have to deal with Wells Fargo in future once this is paid in full
Consumer complaint received 2015-09-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NJ)

As part of ongoing disputes wih Equifax, where no such dispute was XXXX with FRAUD - Equifax inserted a FRAUD statement on my report - and then sent/shared it with XXXX and XXXX. 

The statement is wholly inaccurate, and not in any way shape or form warranted. 

Please remove this statement from my reports - and then - request that the same CRA 's you shared it with - as you ARE the owner, remove the same. 


" Company respondedXXXX said : Explanation of closureIn order to protect your privacy, we have mailed an updated copy of your credit report to the current address we have on file for you. You can expect to receive it in approximately 5 to 7 business days. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX - XXXX ET. Please visit XXXX for frequently asked questions about your credit report. 
ReliefWe received your complaint about the Initial Fraud Alert in your credit report, and apologize for any difficulty you may have experienced. Initial Fraud Alert identified in your complaint has been deleted.. 
DisputeResponseWe have reviewed your complaint along with the information you provided regarding this issue. In response to your request on XXXX/XXXX/2015, we received a request from Equifax to add an Initial Fraud Alert to your XXXX credit report. As a result the alert was added and a notification was sent to you via mail on XXXX/XXXX/2015. Please be advised under the guidelines of the Fair Credit Reporting Act, " Each consumer reporting agency that receives a request to add a fraud alert or active duty alert from another consumer reporting agency shall add the alert as though the agency received the request from the consumer directly. '' At your request we have deleted the Initial Fraud Alert from your XXXX credit report.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete information on my XXXX and TransUnion Credit report. 
15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED immediately : XXXX. XXXX Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Consumer complaint received 2015-11-16
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: First Data Corporation (PA)

I had a dental practice which I terminated in XXXX 2014. XXXX Bank ( XXXX XXXX ) had set up a credit card swiper so patients could pay with their credit cards. When the practice was closed down, there was no need for their services any longer so I sent the swiper back to the leasing company, closed the account being used at the bank for automatic withdrawls, and thought that would be the end of it. Instead, the credit card processor used by the bank ( First Data Global Leasing of XXXX, Georgia ) has continued the harass me for the monthly payments even though they have been informed that there is no longer the business entity to make the payments. The lease was made out to the company name and was clearly a business lease and not used for personal use. My wife did not sign any of the documents but she is being effected by this constant harassment via telephone calls, mailings, etc.These people are loan sharks, plain and simple. I would hope that you can point out to them that their contract is now NULL and VOID.
Consumer complaint received 2015-11-16
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (FL)

I filed a CFPB complaint against TD Bank on XXXX XXXX, 2015 -- Case number XXXX. TD Bank 's reply was not at all satisfactory. Aside from the reply 's failure to address the issues I raised in my complaint, it claimed that TD deposited {$30.00} to my account as compensation. However, I never received any such deposit -- in any of my TD accounts. Therefore, I filed a dispute on XXXX. I still have never received the said {$30.00} deposit, nor any communication directly from TD. I believe that their actions, as described in my original XXXX XXXX complaint and XXXX XXXX dispute, constitute unfair and deceptive practices. Given the absolute black and white nature of whether or not they made the said compensatory deposit to my account, in addition to the many other issues regarding crediting my savings account with the wrong interest rate multiple times, I believe that it is appropriate for me to file this new complaint, as was suggested to me by a CFPB phone representative. As detailed in my original complaint and dispute, I fear that countless other TD customers are being paid far less interest than what they are entitled to, and that they are not aware of the situation and/or do not have the ability to deal with the problem. Also, I am amazed that TD stated to your Bureau that they made a deposit to my account which, now, weeks later, still has not been made. 

Please note that I just moved to XXXX FL from XXXX MA a few days ago. My original address was XXXX XXXX XXXX # XXXX, XXXX, MA XXXX ; my original phone was XXXX.
Consumer complaint received 2015-11-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have had a Home equity loan with Bank of America since XXXX 2013. It is supposed to be a 25 y conventional with fixed payments and fixed interest rate. This loan has been nothing but a problem. I think Im being taken advantage of mainly because most of the money I pay monthly on a timely fashion gets posted to interest and MISC and on several occasions zero posted to principle. I Received monthly statements with different amounts due each month. I requested an audit to be done on my account several times as well as provide me with an amortization schedule, which I was told several times that " .... this loan does not have an amortization schedule, it is a rare product that BOA only has XXXX of these unusual loans ... I do not understand it myself.. '' the BOA rep said. 
It was never disclosed to me that it was an unusual loan, I feel it is a preditory loan because 90 % of my payments go to interest and misc postings ... and on several occasions, zero to principle. I have always paid on time. After I got hang up on several times by the BOA reps, transferred from dept to dept and to automated systems where I had to wait for hours at a time and got disconnected, I decided to reach out to the CEO of BOA hopefully I can get some clarification. I sent him XXXX emails and I got contacted by the resolution department. They reps in this department do not seem very knowledgeable about this type of loan either.
Consumer complaint received 2015-11-16
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

Last XXXX XXXX at around XXXX in the afternoon i drop by at the Union Bank in XXXX XXXX XXXX XXXX to do deposit of XXXX because i issue a check to my Landlord worth XXXX after a day my Landlord called me and she say, i dont have enought fun so i'lll go back to the bank to check what happen to my monney, i 'm surpriise because the bank is already closed, i 'll go toother bank branch nearby in XXXX XXXX XXXX. XXXX i talk to Vice President XXXX XXXX i said " can you pleased verify the XXXX XXXX XXXX '' he answer i can, because the bank is already closed i give you a call when i verify the camera, after a day he call me and he said i can not see the money i surprised what he said because im sure i deposit XXXX for may cheacking account not XXXX Sir, Ma'am plesse imvestigate this annomaly of this Union Bank im so stress i lost everything to me because of thiis, thanks in advance and may XXXX bless you all.