davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NM)

I signed for a VA loan for a house and purchased a home on  XXXX    XXXX . My monthly payments were {$960.00} which also covered the escrow annually. Within two years I received a letter from Chase Banks stating they are now owners of my mortgage account and they will be receiving my m onthly payments. Within months, I received a letter from Chase stating my monthly mortgage will now be {$1000.00}. I called Chase and asked why which they said because my property tax has gone up and  XXXX  was not covering the additional taxes. I called  XXXX  and they said the taxes had gone up but very little.  XXXX  also said they p aid Chase the correct amount every six mont hs and would like to set up a conference call with them to discuss any issues. The conference call was made while at the Chase Bank office and the monthly payments went back to normal. The problem occurred again within a year and my payments went up to {$990.00}. I ca lled Chase again  informing them to stop raising my mortgage payments which they said property taxes are up again then sent me letters showing the tax height. On  XXXX   XXXX , I received another letter from  Chase stating  a monthly mortgage increase of {$1000.00} will be submitted. I called them as usual with the same request. I checked my account today and discovered the mortgage payment remained the same of {$990.00}. I have a VA deductible of {$4000.00} and a {$2000.00} deductible from New Mexico with both cover property taxes and should n't be reason to raise my mortgage taxes nor my monthly taxes and the only reason they have is for their gain and unlawful greed. I want this to stop because their actions are causing lots of unnecessary stress to me and my f amily. Case has  not offered any lower interest rates under the  XXXX   Administration memorandum, they only raise mortgage rates.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2018-10-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark & can not verify verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are required to ... .Promptly delete all information which can not be verified that I have disputed. 

As I understand, Federal reporting laws. especially the Metro 2 data formatted reporting regulations enacted as a results of the CRSA, requires that all information be certificated compliant as well as full true, correct, complete & timely proven mine. It was clearly that the same laws dictate that no entity, including a consumer credit reporting such as yourself can excuse itself from the mandates nor liabilities should that entity become deficient in that compliance. I am enacting my consumer rights to have only 100 percent accurate, timely & verifiable METRO 2 compliant information be reporting on my credit.

I do NOT authorize any derogatory. RETAIN or return to requisite METRO 2 compliance reporting now by annulment of all non compliant information as mandated by law. Please resolve this matter as quickly as possible. I appreciate your time and consideration.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit Management account number XXXX amount XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Under 15 USC 1692C Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
Please remove off my credit report
Consumer complaint received 2017-06-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Meridian ARG Inc. (FL)

I received a phone call this morning from  XXXX . I did not talk to her, but her voicemail stated that she was a "   XXXX   XXXX   '', although it seems irrelevant and I 'll explain why later. She needed me to contact her immediately so legal action would n't escalate any further. She did not say what it was about, what it was for, what the amount I allegedly owed was, who was the debt from, no details just threats.
A few minutes later, my girlfriend gets a call from  XXXX  for the same issues. This time it was an " Agent  XXXX  '' who called. This time she gave a case number as if this meant something.
After this, I went to  XXXX  because whenever I get a phone call from a number I do n't know, this is the first place I go.   XXXX   is a website filled with victims of phone scams and harassment from debt collectors. As it turns out, I 'm not the only one who got the call. It appears that "   XXXX   XXXX   '' or " Agent  XXXX  '' or whatever name she uses or whatever company she claims to be working with has been trying to scam people since  XXXX .
Any debt that I had was taken care of years ago. The only debt I have is with a credit card, and that 's current and being paid. This was not the first time that I went through this so I 'm fairly certain that this phone call is a scam ; a shakedown. If someone were threatening me to take me to court or whatever, I would receive it in the form of a letter or a summons which I never got.
Consumer complaint received 2018-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. N/A XXXX  Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Equifax : XXXX XXXX : XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-25
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. (WA)

Companies- XXXX XXXX XXXX XXXX XXXX Account. XXXX. Line of credit for {$5000.00}. SinceXX/XX/XXXX. 
XXXX has not showed any proof of any type of investigation that I was late in the years of :XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX. They will not investigate this issue. I have constantly have asked them and the 3 major bureaus to send me proof of documentation stating lates on any accounts I have with them. They will not answer. Please help CFPB
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (VA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2018-10-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I was informed in XX/XX/XXXX that my name was involved on a mortgage document ( concerning forgery and fraud ) regarding a Wells Fargo mortgage account. XXXX XXXX XXXX had completed a refinance of her mortgage in XX/XX/XXXX. I obtained a copy of the document from public records and it did show that I was " a witness '' to her signing for her refinance. I was appalled and shocked. This individual was a former colleague and had all my personal information to include my social security number and drivers licenses. I notified the bank Wells Fargo in XX/XX/XXXX that this was not my signature and I had no idea who the notary was. Looking at the signature it was obvious that I did not sign the document. The printing of my name was done by XXXX XXXX but the signature was not mine on the document. I received response form Wells Fargo in XX/XX/XXXX stating that this WAS my signature. I responded to the bank asking to show me the documentation they had to prove why they determined the signature was mine. I was informed that they closed the case and I had no return phone calls back. On XX/XX/XXXX I called the bank to speak to a supervisor and once again had no response. I send in a written request for documentation and referred to my signature on a mortgage that I obtained with the back in XX/XX/XXXX to compare the signatures. No response. 
The notary XXXX XXXX was also an issue. I have no idea who this individual is. When I looked her up, her identification data was incorrect on her stamp. The state of Florida confirmed that her identification was XXXX not XXXX on the stamp. The stamp on the document was incorrect.. I notified the state of Florida regarding this issue and discrepancy. The legal department for notary is reviewing this issue. 
My identity was used to defraud the bank and my name was forged on the document with out my permission by the above individuals. I am appalled that someone would take my identity and use it on a document for they're own gain. I am very disturbed that Wells Fargo is " pushing this out of the way ''. I am a customer with this bank also and find this act disturbing and disgraceful especially with out any real answers. XXXX did sell her property in XX/XX/XXXX and she has now obtained an additional loan with Wells Fargo in XX/XX/XXXX. Really?? it is OK to allow individuals to commit forgery and fraud and allow them to continue to bank with this institution?
Consumer complaint received 2018-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (MD)

XXXX XXXX XXXX took me to court by and through their attorney`s XXXX and XXXX. On XX/XX/XXXX XXXX XXXX XXXX lost thier case in the District Court of Maryland and Judgement in favor of Defendant was entered into the record. Case # XXXX. 

For over two years XXXX XXXX has reported this still as a debt in collections. 
I contacted them and their XXXX XXXX XXXX. XXXX acknowledged this was closed and they lost and informed XXXX of the same. 

XXXX XXXX is refusing to update my credit report to reflect they are not owed the money and the account is closed. 
This resulted in my being denied a loan on an investment property,
Consumer complaint received 2018-10-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NY)

Dear XXXX, This is XXXX XXXX, my family is a victim of wire transfer fraud ( more than {$120000.00} ) in  Wells Fargo on XX/XX/2018. The fraud wire transfer was on Monday morning XX/XX/XXXX. We discovered the fraud on Wednesday XX/XX/XXXX. The name and the account number do not match in the wire transfer. However, Wells Fargo still released the fund to fraud account on the same day of the wire. After we reported fraud to Wells Fargo, they have not provided any information we demanded and they have not released any information to us. The money was the downpayment for buying our first house. Please help us!! Wells Fargo is just saving the time for criminals to steal our money which we have been saving for a lot of years. The contact in Wells Fargo is : XXXX XXXX, phone : XXXX. Please help us!! It has been 1 and half months since the fraud happened. However, Wells Fargo has not provided anything to us about the fraud. What they are doing is just to cover their mistakes and protect the criminals.
Consumer complaint received 2018-10-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: FIRST HORIZON BANK (NC)

I have two issues. I wasnt sure which on to pick. I am the co-signer of a siblings car as of XX/XX/2016. We with through a car lot XXXX XXXX or XXXX XXXX in XXXX NC. 
The lender is XXXX XXXX who has sold 3 times and now loan is under First Tennessee Bank 1st thing I was misled. They ensured me that I would be dropped from the car loan after six months. They even read a part of the paperwork in a misleading way as though it wouldnt matter about her payment history which I have consulted with credit advisors and they were lying to get the sale they lied about the process of being dropped off the loan just to get the sale. They are located on XXXX in XXXX # XXXX I reached out to the creditors with a good will letter over 3-5 different letters and emails trying to explain why my sister would have been late on payments. She deals with bipolar and sometimes everyday life becomes a task where it affects her work and she may lose employment. The letters go to no avail no one either reaches out to me or contacts me back or they email with hopes of getting back to me and never do.
Consumer complaint received 2018-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (CA)

I received a letter from XXXX XXXX XXXX XXXX ( collection agency ) on XX/XX/XXXX stating that I owed XXXX XXXX, XXXX {$300.00} for an account ending in XXXX. I have never worked with TD Bank, nor have I ever opened an account with them. The info that I was able to get from XXXX XXXX XXXX  is that the account ends in XXXX, and it was opened on XX/XX/XXXX and closed on XX/XX/XXXX. TD Bank is not FDIC insured. I have requested a dispute through XXXX XXXX. I have run a credit report and TD Bank shows up as under " soft inquiries '' on XX/XX/XXXX. I called TD Bank on XX/XX/XXXX they would only help me if I gave them my SSN. I was not willing to do that since I have never done business with them. I wasn't sure about their credentials. 

TD Bank : XXXX
Consumer complaint received 2018-10-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (PA)

My Chase bank account was hacks, and money was transfer to another account without my authorization. The first time was XXXX , and then XXXX . Total of XXXX . I called Chase but they refused to help, and said there is nothing they can do. I also look up where the money was going and called them to ask for the refunds, the money going to XXXX XXXX, some Indians people with heavily XXXX accents trying to speak English, and keep asking for more money for them to refund the money back. Please help.
Consumer complaint received 2018-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Applied for capital one credit card and got accepted. XXXX XXXX saids i did not get accepted and lowered my score when that is not correct. XXXX XXXX saids to contact this site. It gave me a inquiry.
Consumer complaint received 2018-10-24
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: SELECT PORTFOLIO SERVICING, INC. (FL)

Select Portfolio Servicing, Inc. ( SPS ) XX/XX/2017 = Due to financial setbacks, notified Select Portfolio Servicing , Inc. ( SPS ) we would be unable to cover payments by XX/XX/XXXX/XX/XX/2017 and initiated a Request for Mortgage Assistance with them. SPS recommended and *approved* us for a short sale based on our situation. Furthermore, SPS agreed *not* to report us to credit agencies as past due as long as we were in an active short sale process, which we were. 

XX/XX/2017 = SPS reported 30 days overdue to XXXX, XXXX, and XXXX XXXX ( we were still in the short sale process ) XX/XX/2017 = SPS reported 60 days overdue to XXXX, XXXX, and XXXX XXXX ( we were still in the short sale process ) XX/XX/2017 = SPS reported 90 days overdue to XXXX, XXXX, and XXXX XXXX ( we were still in the short sale process ) XX/XX/2017 = Short sale completed, SPS reported 120 days or no data to XXXX, XXXX, and XXXX XXXX ( we closed the short sale process and sold the property ) XX/XX/2017 = Account formally closed As a result of SPS reneging on their written agreement with us not to report us while we were in the process of a short sale, our credit ratings have taken a hit. We were assured by SPS this would not happen. 


They were negligent, did not return phone calls, or emails. They made us fill out the same stack of paperwork repeatedly. We ended up with a different person every time and had to start over each time with the new people assigned to us.
Consumer complaint received 2018-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

In XX/XX/XXXX, I was having difficulty making my student loan payment to Navient. Subsequently I used 3 years of forbearance time. Rather than being advised on a payment through an Income Based Repayment plan, I used all my forbearance time towards the beginning of paying off my student loans. So, in XX/XX/XXXX, a total of {$18000.00} of capitalized interest was added to the total of my loan. At that time, I re-entered an Income based payment plan which I have been paying from XX/XX/XXXX until now. I have missed a few months payments, but am doing the best I can to make all payments timely. Unfortunately due to the excessive forbearance time I used and subsequent capitalized interest, the payments I am making are not even covering the interest that is accruing. Therefore, the total balance of my loan is growing despite all the payments I am making. I believe if I was properly informed at any time during the 3 years of forbearance, I would not be in this situation. Now, if there is an imminent need to use forbearance time during a short-term financial struggle, I would not even have that available.
Consumer complaint received 2018-10-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: REGIONS FINANCIAL CORPORATION (NJ)

I opened an account with Comdata in XXXX of XXXX for my truck drivers to purchase fuel for long distance trips. My account code is XXXX. The cards were setup for fuel only and on situations were a driver needed cash for roadside assistance, truck wash, fax service, etc. I manually generated an EXPRESS CHEK code ( XXXX ) from the Comdata portal and send code to the driver with the amount available on the code to access cash or pay for service. 

On XX/XX/XXXX we hired a new driver, XXXX XXXX XXXX whom managed to withdraw cash advances from the fuel card without me knowing. The fuel transactions Mr. XXXX was making were legitimate but the cash advances were fraudulent. From XX/XX/XXXX-XX/XX/XXXX Mr. XXXX stole a total of {$28000.00} not including the fees for the cash advances. 

On the weekly statements Comdata sends in the mail ( " Daily RECAP SHEET '' ) these cash advances were not listed on the summary only express codes and the total purchases for each card. During the first week of XX/XX/XXXX we had a business slow down but the comdata fuel expenses were still high. I called in Comdata for help and when I spoke to a representative they guided me to a section of their website where I will have to run specific reports for detailed explanations and that's when I realized the fraudulent cash advances Mr. XXXX was taking with his fuel card. 

I have filed criminal charges with the XXXX, New Jersey Police Department against the driver. I immediately reported all the fraudulent transactions to Comdata however they are refusing to issue credit for the charges because they claimed the driver had a card. However I never requested for this drive or any driver to have access to cash advances that was the purpose for the express chek codes. If they would have listed these cash advances on the weekly recap statements I would've notice the fraudulent activity but they were not listed.

I believe Comdata needs to credit me back for these transactions as they never notified me about any cash advances this driver was fraudulently making or any of my drivers, and they also never notified me that my drivers were able to get cash advances with their fuel cards. I have attached a copy of what the daily recap weekly statement looks like and it does not show anything for cash advances.
Consumer complaint received 2024-09-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

In XXXX my husband and I got a knock on our door from XXXX XXXX on a promotion for XXXX XXXX 
What was to be a simple payment plan for an amount, has turned into failed attempts over and over through XXXX XXXX. We set up auto payments, then to find out the payments " failed '' to go through. Then to be told by XXXX that they required large payment to catch us up!