davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (MA)

We are late on our mortgage and have applied for modification in the past. The modification process can only be described as incompetent at best, and deceitful at worst. Documents are lost, the file is never complete despite repeated attempts to be told exactly what is needed, and in final review, no meaningful accommodations are made. More recently, I have been given different information each time I call in to find out what payments can be made. I was told to mail in checks because they wo n't take partial payments over the phone. One check was cashed and applied, the next was returned. In fact, I had called to see if they had received it and they said they had no record of the check arriving at the office. Obviously someone had received the check, and reviewed the account to the extent that they were able to return the check. But no customer service rep was informed or would tell us what was going on. We were told on Saturday the XXXX of XXXX, XXXX, that the account had not been referred for foreclosure. On Monday the XXXX, we received a certified letter that it was in foreclosure. On Thursday the XXXX, I called Chase to find out what options we had. I made arrangements to pay {$3600.00} on Friday, XXXX XXXX, XXXX, which when combined with an unapplied balance, would cover XXXX, XXXX and XXXX XXXX payments. They told my husband the same thing earlier in the week - that they would accept 3 month 's payments. Today, I received a phone call that the account was returned to foreclosure status on Monday, the XXXX of XXXX XXXX, and that three months payments WOULD NOT be accepted, and we had to pay all past due amounts plus fees. They did not have notes of our prior conversations with reps. 

This is either sheer incompetence or a systematic way of doing business that puts consumers in a precarious position. It is a shameful way to conduct business especially in light of the fact that Chase was the recipient of a generous bailout during the subprime mortgage crisis of XXXX and XXXX. 

Please help in any way you can. We are just two working people who had a very hard time during the recession. We have a college student and a XXXX in high school, and are managing our own student loan debt.
Consumer complaint received 2016-11-04
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Medical Data Systems, Inc. (FL)

I have paid all debt and cleaned my credit report. All of a sudden this company, Medical Data Systems showed up for asking for {$100.00} that belong to my son. I asked for proof and they refuse to show me proof. I disputed it but they keep claiming it without showing me proof that it is min.
Consumer complaint received 2016-04-15
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Trademark Management Solutions, LLC. (GA)

I got a pay day loan from a company that was trying to charge me fees that were way out there, like 300 %. I tried to talk to them numerous times and get what I borrowed paid back but they kept giving me the run around and would not return my calls. Recently, I received a call from Trademark Management Solutions telling me there was a server in the area and they were filing criminal charges against me. I tried to tell them that I could not pay what they were wanting ( {$400.00} a month ). I asked if they would at least try to get the payments lowered. They told me the company in which they were dealing with said NO I had to pay that amount and would not take a lesser amount. I told them I could not pay {$400.00} a month but was threatenedd court procedure if I did n't pay it and give them a debit card. I have been paying them that amount monthly but have tried to get someone on the phone to see if we can get the amount lowered. I am having trouble trying to keep up with all my other bills as well. I only borrowed {$1000.00}. and they are trying to make me pay back {$3000.00}. This is NOT RIGHT. I have a elderly Mom I am trying to take care of as well and just need for them to realize that what they are doing is unfair practice. I do n't mind paying back the money I received, but 3 times that amount is just unfair. I hope you can help me resolve this and make these people act more like they need to and help people not threaten them. Please help
Consumer complaint received 2017-01-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NC)

I was approved for a deed in lieu XX/XX/XXXX after trying to get my Loan modification for three years denied. Once we called Confirm all documents requested was received We moved out by vacate day XX/XX/XXXX. 
XX/XX/XXXX we received a Denial letter Called back XX/XX/XXXX to find out why and we still wanted the deed in lieu We were told they had to investigate after investigation they told us it 's to let to be review for a deed in lieu it has to be 45 days one represtative told us 15 days you never get the same Answers to many people work on one file
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am writing to formally dispute the inaccurate information on my credit report, specifically regarding the alleged serious delinquency, public records, and collection accounts attributed to me. These inaccuracies violate several federal laws, including but not limited to : 15 U.S.C. 1611 : Limitations on consumer credit reports.

15 U.S.C. 1681 : Fair Credit Reporting Act provisions.

15 U.S.C. 1691 & 12 CFR 1002 : Equal Credit Opportunity Act.

15 U.S.C. 1692c : Restrictions on communication.

15 U.S.C. 1602 : Definitions relating to credit reporting.

15 U.S.C. 1681n : Civil liability for willful noncompliance.

15 U.S.C. 1692f : Unfair practices in debt collection.

15 U.S.C. 1635 : Right of rescission.

I demand that these inaccuracies be investigated and corrected within 72 hours of this letter. If these items are not removed or corrected in accordance with the Fair Credit Reporting Act, I will pursue legal action to protect my rights and seek damages for any harm caused by this inaccurate information.

Attorney in Fact I am writing to formally dispute the inaccurate information on my credit report, specifically regarding the alleged serious delinquency, public records, and collection accounts attributed to me. These inaccuracies violate several federal laws, including but not limited to : 15 U.S.C. 1611 : Limitations on consumer credit reports.

15 U.S.C. 1681 : Fair Credit Reporting Act provisions.

15 U.S.C. 1691 & 12 CFR 1002 : Equal Credit Opportunity Act.

15 U.S.C. 1692c : Restrictions on communication.

15 U.S.C. 1602 : Definitions relating to credit reporting.

15 U.S.C. 1681n : Civil liability for willful noncompliance.

15 U.S.C. 1692f : Unfair practices in debt collection.

15 U.S.C. 1635 : Right of rescission.

I demand that these inaccuracies be investigated and corrected within 72 hours of this letter. If these items are not removed or corrected in accordance with the Fair Credit Reporting Act, I will pursue legal action to protect my rights and seek damages for any harm caused by this inaccurate information. 

XXXX XXXX XXXX
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2016-12-12
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (TX)

We secured and were under an agreement with Wells Fargo to purchase a home under an 89.9 % loan exception which allowed us to pay a 10.1 % down payment on the purchase of a new home. These conditions provided a significant advantage to us in terms of the cash out of pocket and was the basis of pursuing the loan through Wells Fargo versus alternate loan providers. We progressed through the loan process ( providing timely documentation ) and were assured at multiple stages that we were on track to close on the contract date ( XXXX XXXX ). 

Wednesday morning before XXXX ( XXXX XXXX ) we received a call from an agent of Wells Fargo indicating that Wells Fargo did not agree with the appraiser 's estimated home value ( which they had since XXXX XXXX ) and required the loan to go through additional internal reviews. They communicated that these reviews ( even if expedited ) would delay the closing date of the home. The agent indicated the only scenario in which we could maintain the original closing date was if we put 20 % down. He pressed and indicated they needed our decision by mid-day otherwise the closing would be delayed. 

I communicated how egregious I thought the entire scenario was and that I believed this was a " bait and switch ''. This last minute issue arose XXXX 44 days post contract submission, and ~ 30 days post receipt of the original appraisal.
Consumer complaint received 2016-09-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have been a victim of Transunion 's Inquiry issue. I called to speak with them about the removal of these Inquiries and customer service was unable to help me. 
Here are the Inquiries as followed XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2024-11-03
Product: Credit reporting 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. (NC)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately.

This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, Thank you.
Consumer complaint received 2016-08-10
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (TN)

XXXX I started falling behind on XXXX payday loans.I got on the internet and started looking for a payday resolution company that could reduce my payments so that I could continue to pay and I wanted to pay because I did owe so I saw global client solutions and I called and got information about their program the man that I spoke to told me what to do and I did.the first thing he told me to do was close my account and I did and it cost me almost XXXX $ .he told me the program was either 8or9 months I pick which one I want and that they would stop the interest and split my payments in half and that they would set up me an account and hold my funds until they could reach a settlement with the lenders.I asked him would the lenders continue to call me once I hire them he told me no.I found that to be a lie very soon and when I called him about it after my second payment he got a attitude with me.I felt something was wrong then.well global took the case then they turn it over to XXXX XXXX they are the ones that are suppose to settle your account with the lenders but I kept getting letters about my loans saying they were not being paid on at all they debited my account for three months for XXXX which totaled XXXX they told me they had settled XXXX account for XXXX that was a lie they told me they were paying on my XXXX loan for XXXX only to find out they have paid no one I filed a complaint with FTC and since then I got a email saying I 'm not do a refund from larger consulting group because of all the fees.but global client sent me a courtesy check for XXXX for all fees paid to them.they advised me not to contact them any further only contact larger consulting.please help
Consumer complaint received 2016-04-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (PA)

I finished school in XXXX. My first complaint is aes customer service reps do not help the borrowers find the best repayment plan and they withold information. They are typically not even knowledgeable about loans and accounts and repayment. I have often received a cut and paste answer that never answered my questions. I started making payments in XXXX and was about {$31000.00} in debt. I was never told about the income based repayment plan and for the first 4 years I paid large payments and for less than a year I was on unemployment deferment. Then a co-worker told me about income based plan. So I applied and it was a process and I paid so far ahead I was in paid ahead status so I had to write a letter saying to remove the status. First off they say your loans " may be forgiven '' after XXXX years. I am furious my first XXXX years do n't count towards the XXXX even though I paid so much. When I start paying in XXXX I paid down my interest. I recently found out my loans accrue {$110.00} of interest a month and my {$100.00} payment obviously does n't touch the principal. I was told the payment would be disbursed to interest then each loan even if just a few dollars. I find out that I have {$2000.00} in outstanding interest and I do n't understand how. Also when I reported my interest for taxes in XXXX I paid {$1100.00} and in XXXX I reported {$770.00} so my income and payment was very close but how the XXXX did I pay so much more interest in XXXX? I have been paying loans for almost 6 years and I am steady {$30000.00} in debt. I paid off XXXX XXXX and a XXXX loan so that was like $ XXXX XXXX and I paid at least {$7000.00} to aes yet my balance only dropped to slightly below {$30000.00}? This is insane. Clearly there is an issue with income to debt ratio and something is n't right. I feel I am being taken advantage of. I know I borrowed the money but I regret it big time. I wish I never went to school. All I am saying is I had to figure the loans out on my own since I was XXXX with no guidance. I am XXXX and would like a fair shot to pay these loans off without the interest jumping every time I turn around or not being properly warned that the income based plan is the worst plan for someone and not helpful as advertised.
Consumer complaint received 2016-05-13
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: GUARANTEED RATE INC. (SC)

The company did not follow state/federal guidelines regarding providing final numbers for closing. We did not receive the final numbers until 15 minutes before we closed, versus the legal guidelines to provide us those numbers 72hours before. Additionally the numbers that were provided to us 15 minutes before closing, were over {$3500.00} more than what we had discussed the previous day. We then had to bring that difference unexpectedly to the table for closing. The company also charged us {$810.00} for an extended rate lock guarantee. This was not discussed and closing was held up by their inadequate filing of our documents, not because of us.
Consumer complaint received 2016-11-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (GA)

Individuals with private student loans serviced by XXXX XXXX ( which has changed its name to Navient ) who were charged late fees for missing payments. This alert specifically affects borrowers who took out loans before 2006.
Consumer complaint received 2016-11-04
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC. (GA)

I am contacted by this company multiple time a day. Every time I answer ( with a greeting ) I get hung up on. One day I called them back to see who was calling me and they stated the reason for the call. I told them to stop calling me due to the fact they never answer when I pick up and I am in the process of repairing my credit, so when the time comes, I will get that handled as well as the fact, I do not have the funds to take care of this debt. Here we are months later and they still keep calling. I called back again today, spoke with the floor manager, explained the situation and told him, too, to add me on the do n't call list. He refused to hear me. I have a feeling they will continue to call multiple times a day with no answer. I want it to stop
Consumer complaint received 2019-10-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/2019 I sent {$300.00} to a person named XXXX XXXX for some concert tickets. Shortly after sending the money I asked this person about the tickets and never got a response. I followed up multiple times and was unable to get a response. This person is scamming a lot of people ( I have been in contact with at least one other person who are in the same boat ) and they are using XXXX and other XXXX apps to accomplish this. I have contacted Wells Fargo on multiple occasions and they are unwilling to help. They will not refund the money or provide the receiving banking institution 's name. The scammer is using the name XXXX XXXX, phone XXXX, email XXXX Wells Fargo XXXX Transaction Date XX/XX/2019 From account XXXXXXXXXXXXX Amount {$300.00} Fee {$0.00} Confirmation code XXXX
Consumer complaint received 2017-01-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TENET HEALTHCARE CORPORATION (TX)

My personal information was leaked or stolen XX/XX/2010 and has been used to obtain medical accounts, loans, and education in my name. I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't till last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this and when we spoke to the police department they did n't have much answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think i 'm lying. Figured this was my last stop or just wait 7 years i guess for this to fall off my credit. 

MY OFFICIAL COMPLAINT IS AGIANST SYNDICATED OFFICE SYSTEMS DBA CENTRAL FINANCIAL CONTROL
Consumer complaint received 2016-12-13
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Neon Newco Corporation (TN)

On XXXX/XXXX/2016 my debit card was used fraudulently to purchase XXXX dollars worth of t-shirts from a company called XXXX.online. I notified Netspend, the company who issued the debit card, on XXXX/XXXX/2016 of the fraudulent charges. I filed a police report with the XXXX Police department. Police report number XXXX. The detective was able to determine that other people had their debit cards used fraudulently to purchase items from XXXXonline. Netspend performed an investigation and determined that I am responsible for these charges. This is completely unacceptable and unethical. Per the Electronic Fund Transfer Act, if I report these unauthorized fraudulent charges within 60 days, the most I could be held responsible for is XXXX dollars. Even XXXX dollars is questionable per the FTC which states, " if someone makes unauthorized charges with your debit card number, but your card is not lost, you are not liable for those transactions if you report them within 60 days ''.
Consumer complaint received 2024-09-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (FL)

I use ( used ) my Venmo account to have a weekly payroll check direct deposited. On XX/XX/year> the deposit amount was {$1100.00} at XXXX XXXX  Central time. Between XXXX XXXX  and XXXX XXXX  there were XXXX different transactions made through my account fraudulently and came to the amount of {$1000.00}. 
When I logged in to check to see if the deposite was made and for how much, my account had XXXX dollars and some change. There were debits in the amounts of : XXXX {$21.00} XXXX {$51.00} XXXX {$50.00} XXXX {$20.00} XXXX {$11.00} XXXX {$30.00} XXXX {$16.00}. The first of many calls to Venmo customer Service I canceled my card and filed a despute for each of the fraudulent charges. Venmo approved XXXX of the XXXX charges for a refund and denied the other XXXX. Venmo said they would do a " full investigation " and that it could take up to 10 business days. When I called the 2nd time because of confusion as to why some desputes were approved for a refund and the others denied ; even though they were all made by XXXX*, we filed an appeal for the denied transactions. After a week or so those that we appealed were denied again and the case was closed for the remaining transactions. They told me that since I logged in right before the deposite hit and then not long after that it seemed suspicious and that only the account owner ( me ) would've known the time when to orchestrate the transactions and that's why they were denied. No investigation was done as far as im aware because they accused me of hacking into my own account and stealing money from myself and an investigation wouldve shown it was from a company that i am not, nor have ever been associated with. This is absurd not to mention insulting!! I have over XXXX emails in correspondence to this matter, XXXX different people are " takeing it from here '' but nobody has refunded the rest of my money and now my emails are just being ignored. 
{$1000.00} was stolen, {$400.00} has been refunded and that leaves {$670.00} left owed back to me. 
I also made several attempts to XXXX* in regards to getting this resolved but haven't had any luck in doing so.