davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO. (UT)

On XX/XX/XXXX I called and spoke with chase auto fiance Account number XXXX, I explained that I had called and requested a billing extension for one month which was granted ; but do to my health and being in and out of the hospital I would need another 3 month extension, I was told they could not do another extension, however they could change the due date from the XXXX of the month to the XXXX. I was also told that f that payment was not received or was returned that the original due date would revert back to the XXXX. Because I didnt receive any statements after s I was in the hospital. I called back and explained this to an agent, who because I hadnt received the statements informed me because it was a medical emergency do to a XXXX XXXX that she would submit XXXX late fees in the amount of {$30.00} each to be reviewed to be removed. I then spoke with a supervisor, her name was XXXX id XXXX making a payment at chase bank I called back and was told that the fees had not been credited back and the original due date had not been reinstated to the XXXX of the month, I again spoke to another supervisor XXXX after explain the situation to her again, she informed me once I brought my account current that the due date would be changed back to the XXXX of every month and because of the extenuating circumstances that she would approve the credits for the XXXX late fees {$30.00} each for a total of {$90.00} and that I would see the credit on my next statement. Once I got the account current by making a payment at chase bank I called back and spoke with another supervisor who informed me the credits had not been approved despite what I had already promised and the due date had not been changed back. Because I had already spoken with a supervisor, XXXX XXXX on XX/XX/XXXX and had been told the due date would be changed back to the XXXX of the month and that the XXXX late fees of {$30.00} each for a total of {$90.00} I am requesting that chase honor what there supervisor said she would do and credit back the {$90.00} in late fees as well as change the due date back to the XXXX of the month. The agent that had informed he had processed another extension that he had approved so my next payment should be on XXXX XXXX XXXX the agents name was XXXX  XXXX.
Consumer complaint received 2017-09-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

Here is some information about what is going on. Enhanced Recovery Corp has placed items on my credit report that I have no knowledge about. 

The collection opened XX/XX/XXXX for {$2000.00} From ERC, with the original creditor is coming up as XXXX XXXX XXXX. I have no recollection of this account. I only recently started using my credit in XX/XX/XXXX. I 've never had a cell phone, cable, satellite TV, house phone, or my own house for that matter. I do n't know how any of this is coming up. 

I 've tried disputing through XXXX XXXX dispute feature twice, and they keep sending it back saying the information is accurate. Also through XXXX online dispute, the same thing. Now I did check the address that they had on file and it is my childhood home, but I have n't lived there since XX/XX/XXXX. 

The name they had on file originally only matches up with my last name, the first name on their file was never a way my name was spelled, pronounced, or did I ever go by that name. Further more, the name was a masculine version of mine, and also the fake name was also spelled incorrectly. As far as I can tell, they have since then changed it? That name is not coming up in any file I can access online. 

This Collection / Derragotory mark has been affecting my life severely, I refuse to pay this collection because it is n't mine.
Consumer complaint received 2017-02-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I received a bank statement that was a couple weeks old. I noticed on the mortgage statement that my address was listed as XXXX and not the correct address of XXXX. I called BOA and was on the phone for over 30 minutes. It was unclear how and when it was changed. I went through all of my recent statements and learned that it was changed sometime between XX/XX/2016 to XX/XX/2016. I have been missing bank statements and now I know why. This was not the first mistake by BOA. Recently I was charged a series of fees by BOA that were removed after I learned that these were mistakes made to my account. I have continuously disputed the negative remarks on my credit reports but these mistakes are getting ridiculous by BOA. I believe that my address has been updated but now when I run my credit report XXXX appears on my credit report. I have never lived at XXXX.
Consumer complaint received 2017-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I tried fixing this problem with the company, and the sent me the paperwork to see what this was all about. It is for a bad check in California, which has a statue of limitation of 2 year it 's almost 4 years old. TransUnion and XXXX have the account still open. On the invoice it has the check bad in XXXX of XXXX and it 's been reaged to XXXX XXXX. XXXX, XXXX, and TransUnion have it reaged.
Consumer complaint received 2017-03-08
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (MD)

On XXXX while paying bills via the online bill pay service connected to my Wells Fargo checking account I in advertently paid XXXX {$2000.00} instead of {$220.00}. I went to the bank the next morning at XXXX am when they opened to rectify the situation. They told me it was too late - just call XXXX. On XXXX XXXX, I received a call and an email from XXXX to let me know that they returned the entire sum to my checking account. My checking account has still nit been credited with the funds and the banks response - every day is " we can see that the money has been returned but we ca n't tell you when it will be back in your account. Today is XXXX XXXX. This is both ridiculous and dishonest. This is my money - not Wells Fargo 's money. How can I get my money back?
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 2016-09-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (NY)

I am filing a complaint against PennyMac Services LLC for threatening and harassing tactics, they have been servicing my Mortgage loan for the past two years. On XXXX XXXX, 2016 I received a certified letter stating that if I do not make my XXXX payment and late charges of {$1000.00} they will begin legal action to start foreclosure proceeding. My XXXX payment was received in their office on XXXX XXXX. My mortgage payment is current and due XXXX. I had this mortgage for XXXX XXXX years with XXXX XXXX year left before its paid In full. I called them to see why I am receiving threatening letters. XXXX of the representative said that I need to apply for a loan modification in order to stop foreclosure. I asked her what sense the it make for me to modify my loan when I only have 3 years left with a payoff of $ XXXX. I was told this would be the only way they can work me is to pay off the late charges and to a loan modification. This is a complete violation of UDAAP law. Intimidation and threats to take my home. Again I been living in the premises for 26 years and never had a problem with making any of my payments. The late charges that I have on the loan stems over a period of 20 years. Due to paying after the due date but never 30 days. I would like the CFPB organization to investigate this thoroughly. This has cause me a great deal of stress. As a matter a fact I received a letter on XXXX XXXX saying they will foreclose on my property all because of late charges and trying to pressure me into extended my mortgagg.
Consumer complaint received 2016-06-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: I.C. System, Inc. (WA)

As of today, XXXX XXXX, 2016 I pulled my credit with XXXX and noticed that a new collection has been placed on my account. I also noticed that this was under a name and address not associated with me. I have recently, as of XXXX XXXX filed multiple complaints with the CFPB, FTC and all three ( XXXX, XXXX and XXXX ) concerning identity theft. I also understand that the original creditor is XXXX XXXX XXXX, to which I have never had an account. My wife and I have always split our utilities and she has always had XXXX XXXX XXXX in her name. Even so, her name as is mine, is not similar to the name being reported on my credit report. This needs to be removed immediately because this is indicative of identity theft.
Consumer complaint received 2017-02-06
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (IL)

In XX/XX/XXXX, I applied for a healthcare financing credit card, and was approved for a {$5500.00} line of credit. I needed a reconstructive procedure that was {$6500.00} after insurance, so in XX/XX/XXXX, I requested a {$1000.00} credit line increase. I was approved for the increase, but instead of raising the limit on my existing card, I was issued an additional card for {$1000.00}. I made all of the qualifying payments on time, and even paid off the balance early. In XX/XX/XXXX, I was notified by mail that because I had XXXX accounts, XXXX of them would be closed. Inexplicably, the account with the initial {$5500.00} line of credit is the one that was closed, and the account with the {$1000.00} credit line increase is the one that remains open. The following week, I contacted customer service to restore my credit limit to the {$6500.00} for which I was approved. Both the customer service representative and her supervisor acknowledged that issuing the second card and closing the first account are their errors. However, neither was willing or able to restore my credit limit on the account that remains open. The only solution offered to me was to request a credit line increase on the remaining account. This would put a hard inquiry on my credit report for a year, and lower my XXXX score. All of this to correct errors XXXX Bank made, and with no guarantee that my credit limit would be restored to its previous level.
Consumer complaint received 2016-06-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (FL)

I have a Home Loan with Caliber Home Loan about 4 years. I am always about 15 days early. I have an XXXX Credit score. I am XXXX XXXX XXXX. Last month i did not get a payment slip. I was one day late and received harassing phone calls. I paid my XXXX payment on XXXX. I received the XXXX Billing yesterday on XXXX XXXX. It was due XXXX XXXX. I tried to call the phone listed on their Invoice XXXX XXXX XXXX. The automated operator did not recognize my " phone # ''. They did Not recognize my account #. Automated system disconnected me. I tried 7 times. I tried to call Caliber Home Loan Corporate # XXXX XXXX XXXX. Same Problem! They did not recognize my Phone # or my account # and disconnected me. This is Outrageous! 
I am entitled to call my Mortgage Company and find out my payment schedule situation. 
I am making a formal complaint I will enclose payments I made and their invoices. 
There are volumes of complaints against Caliber Home Loans.
Consumer complaint received 2023-05-14
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. (FL)

Around a month or so I submitted a dispute about the unauthorized inquiries I had on my transunion report and since then there was no updates or anything
Consumer complaint received 2024-11-11
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. (MA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-09-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (VA)

Based on my research, I found out that my loan is a preditory loan ( Ajustable rate mortgage ), which clearly my payments are increasing without any reason or doubt and showing different figure amounts on the mortgage statement and violation is the loan pertaining to Truth n Lending and RESPA. I also found out that Ocwen is under investigation due to no consent or license filed in VA, MD, DC to collect a debt form the homeowners. Therefore I would for the third party debt collector to be investigated and Need to know who is really the secured party. the Orginial servicer showing on my Deed of Trust and the Note no longer in business since 2007.
I also Receive a document disclosed stating that Ocwen loan Servicing acting on behalf of XXXX XXXX XXXX XXXX which clearly not listed as the note holder or on my Deed of Trust. nor had any contract dealings with the company.
Consumer complaint received 2017-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently found very questionable items on my credit report which I didnt recognize. After consulting with my legal counsel, I was advised first to notify the credit bureau to get this matter resolved. My first letter included all the list of errors on my report and I was under the impression that a proper investigation would be conducted to resolve the matter. More than 30 days have past and no proper investigation done by the bureau. All I receive is an obvious computer generated generic response letter. I thought after Attorney General XXXX XXXX 's actions last XXXX, this credit reporting company would comply to the settlement. According to this link : https XXXX XXXX An copy of the settlement was published in this link publicly : https : XXXX XXXX  XXXX % XXXX % XXXX % XXXX
Consumer complaint received 2017-02-08
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: XOOM CORPORATION (TX)

On XXXX XXXX, 2017, I accessed Xoom.com with the intent of transferring $ XXXX from my XXXX XXXX XXXX account to a XXXX XXXX XXXX XXXX " XXXX '' XXXX account held by a XXXX XXXX After I input all required information for this transfer, I was sent an email notifying me the funds should be available to my XXXX friend on XXXX XXXX. Shortly thereafter on the same day, I was asked to verify additional information, which I did immediately. I received a text message from Xoom the morning of XXXX XXXX, stating my " transfer to XXXX was sent to XXXX XXXX XXXX. Transferred XXXX XXXX ''. However, later than morning, I receive a email message from Xoom stating " We 're sorry, Xoom or our partner has encountered an unexpected problem processing transaction XXXX. We 've cancelled the transaction at this time and sincerely apologize for any inconvenience. '' When I contacted Xoom about the " problem '', I was told that XXXX declined the exchange rate which Xoom had used to induce me to send the transfer through them, and therefore Xoom had to cancel the transfer. I assume this meant XXXX now required a more favorable rate than that which Xoom has sold to me. When I pointed this out to Xoom, they said they could not reinstate my original transfer for any reason. Based on these facts, it seems clear that even though Xoom created a contract with me using a certain exchange rate, they decided not to honor such when their partner increased its exchange rate. This would not only be a breach of contract, but a very unscrupulous means of doing business.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FirstPoint Collection Resources (CA)

This company has never reached out to me regarding those two derogatory marks on my credit. 



In XX/XX/XXXX. I brought my First car and in order for me to drive the car off the Lot I had to buy insurance! Which I did I brought insurance through the dealership because they knew someone and that was XXXX XXXX XXXX.. I didnt have a great relationship with XXXX XXXX at all BOTH times I had them. When I got into an accident my car was Totaled and wasnt able to get fixed. And in XXXX I ended my relationship with XXXX XXXX XXXX XXXX. Not owing them a dime! But unfortunately they report on my credit report that I opened an account with them XX/XX/XXXX which isnt true. Because I brought my car back in XXXX XX/XX/XXXX. So how could I have opened an account with them around XXXX? Makes absolutely no sense completely absurd. They stated I owe them XXXX $ I need documentation with valid proof. 


In addition to this they also stated that I owe them another XXXX XXXX And the account was opened XX/XX/XXXX. If I recalled I ended my relationship with XXXX XXXX back in XXXX XXXX. Due to them stating I owed them back payments for a system glitch on their own system. I called to report that I notice I wasnt being charged for the month of XXXX payment and thats when I was told by representative that it was a computer glitch and it was a mistake on their behalf! Which also means that I was driving around without INSURANCE! Thats another violation! I could have had my car impounded for a mistake or worse I could have gotten into a car accident and been in JAIL for not carrying insurance but according to XXXX XXXX it was a mistake and they promised not to charge me. When I notice a charged for two separate payments I called my bank for FRAUD! Because XXXX XXXX  committed a FRAUD. I could understand If they fixed the glitches and I was charged for the month of XX/XX/XXXX but nope they charged me for both MONTHS. After I was told not to worry that I wouldnt be charged for an ERROR!. 

Lets talk about UNPROFESSIONAL! Its unethical to tell a CUSTOMER you wont charge them and charge them anyways. And on top of that report such thing on my credit report! I dont owe them any MONEY! And if I do I need documentation with proof and proper dates! And signed documents from ME! With my signatures.
Consumer complaint received 2017-09-07
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Accounts, LLC (SC)

XX/XX/2017 AROUND XXXX XXXX est. Called spoke w a XXXX after seeing item on my XXXX XXXX which is not mine bill- has been previous disputed these charge amounts before. XXXX refused to allow me to dispute stated the time has came and gone to do that and its in collections now. I told him to Cease and Desist account- he refused to do this as wel.. kept saying send it in writing ... on everything i stated. very rude. felt threatened, and that it did not matter what i had to say, asked for supervisor said I could call back no one was above him.
Consumer complaint received 2017-02-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TENET HEALTHCARE CORPORATION (CO)

According to my credit report, I have a paid account opened under Central Financial Control. This account was paid and is listed as, " PAID COLLECTION '', but says it will not be removed until XX/XX/2020. This account was paid and needs to be removed completely from my credit report. The collection agency has failed to remove this paid account and it is negatively impacting my credit.