davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MI)

We had flood damage on XX/XX/2019. A claim was made with our insurance company and a settlement check was sent to Ditech, our mortgage company at the end of XXXX. Ditech has not re-issued the check to us for the damages. We have made numerous calls to them, and, get a different story every time.
Consumer complaint received 2019-04-30
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: Credit Karma (TX)

On XX/XX/XXXX I submitted a dispute for two accounts in collection on my XXXX credit report through the company XXXX partner 's with Credit Karma. 

According to Credit Karma 's website and XXXX, they are in partnership with each other. The dispute function is trademarked as Direct Dispute by Credit Karma in partnership with XXXX, this verbiage is clearly indicated on the Customer dashboard page. After submitting my dispute, Credit Karma indicated that the dispute was being transmitted to XXXX. I heard nothing more and continued to check my dispute status for many months via the provided Customer Dashboard as Credit Karma has no direct number to dial for assistance. My dispute status never updated. So, ultimately I contacted XXXX  on XX/XX/XXXX and they stated they never received the dispute via the Credit Karma conduit and that I would need to resubmit a dispute. I also contacted Credit Karma and they stated that they were " experiencing a communications error that prevented them from processing XXXX disputes. '' and that their team is working on fixing the issue. Mind you, in the over a year and a half, Credit Karma never once notified me of this matter or that they were working on the problem until after I bought it to their attention on XX/XX/XXXX, XXXX Credit Karma also offered the same resolution that XXXX advised, and that was for me to resubmit the disputes. 

In either case, I lost my documentation in support of my dispute and I am unable to obtain additional records due to the fact that the company that maintained the records has since gone bankrupt and been liquidated over two years ago. I am stuck and neither Credit Karma or XXXX is taking any type of responsibility on this matter. They are pressing resolution on to me. 

I am certain I am not the only one affected by this. Please investigate both of these company 's resolution and communication processes as they are not providing the service they are touting and, they are not taking responsibility for their erroneous and untimely processes and response times. My credit has been adversely affected during this duration and I am attempting to get the matter resolved. 

Thank you
Consumer complaint received 2024-10-10
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: Experian Information Solutions Inc. (FL)

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, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2019-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (HI)

I have a credit card with WELLS FARGO I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called WELLS FARGO and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and WELLS FARGO with no successful resolution. XXXX, XXXX, XXXX  only reporting me 30-day late payment. There was an error on their part. I was never 30 days late.
Consumer complaint received 2019-05-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (GA)

Looked at XXXX credit report and seen that I had a collection from Transworld System Inc in the amount of {$1500.00}. I immediately wrote XXXX XXXX on XX/XX/2019. In the letter I asked for the debt to be validated by showing the original signed contract within 30 days. To this day no response for above mentioned company. This collection should be on my credit report and should be deleted. I do however will be reaching out to Attorney General 's office and seeking litigation since Transworld System Inc hasn't responded in the 30 days given.
Consumer complaint received 2019-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

One of my businesses, XXXX XXXX, XXXX maintained an active checking account with JP Morgan Chase for over 6.5 years. The business is a wholesale car dealership that is partnered with another dealership ( XXXX, XXXX who banks at XXXX XXXX ). XXXX is my only customer as I buy cars from them to help them expand their buying capacity and then when they sell the cars they buy them back from me. As the business grew this resulted in a large number of checks to buy cars ( written to XXXX ) and sell cars ( received from XXXX ). Given the increase in volume I had changed the account 3 months ago to an account that allowed a higher number of transactions. On XX/XX/2019 as I was trying to make 2 deposits to the account I was told the account was " restricted '' and could not process any transactions. I found out that the account had been frozen, along with {$140000.00} that was in the account and turned over to the compliance department. I was initially told that after 10 business days the account would be closed and a check would be sent out with the funds. It has now been almost 20 business days and I was told that the account is now in " investigations '' but no one will tell me why or what is being investigated. I also filed a complaint with the JP Morgan Chase executive office who called me and said they were looking into the situation but have since not returned my calls over the last 3 days. The bankers who I know personally in the branch have not been able to directly talk to the department who is handling the account now and have no answers for me as to why it has been sent to investigations or why or when I will receive the funds. The inaccessibility of these funds is causing a severe hardship for our business to continue meeting the needs of our customer which is causing a strain in the business relationship. It is also resulting in lost profits in the amount of approximately {$2000.00} for every month the funds are held in suspense. The bank has not provided any explanation other than they froze the account because I was writing checks on uncollected funds ( meaning I made deposits from my customer and wrote checks to my customer on the same day ) and after deposits hit the account there were always sufficient funds to cover outstanding checks. JP Morgan Chase is effectively placing economic " sanctions '' on me by not making these funds available and holding them indefinitely without providing any reason why or contacting me to try and get a better understanding of the account activity so can show there was nothing nefarious going on. I have attached an excel spreadsheet of all bank activity in this account for 2019. Please Help!
Consumer complaint received 2019-05-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I have applied for loan modification and recently I am trying all option possible. This is 3rd time I am submitting the loan modification package.However, lender never response to my application.I have pending sale date on XX/XX/XXXX and I really need help from Chase to stop and give me some other options and I even consider to sell my house to get equity. But at least I have options to retain it
Consumer complaint received 2019-05-30
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. (CA)

one inaccurate and fraud account name ( XXXX XXXX  ) has been reporting under my name under my equifax credit reports, it is under loan accounts, i have never had a loan that i have not paid, this is inaccurate and fraud account reporting under my name, please have this inaccuracy removed from my equifax credit file thank you
Consumer complaint received 2019-05-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Resources, Inc. (GA)

On XX/XX/2019 sent AR Resources a letter to validate the debt to show any signed contract with them for services rendered. AR Resources sent back a statement of account saying that I owed XXXX. This is not validating the debt anybody can print out or make a statement of account. No signed contracts or agreements with this company or signed HIPPAA release.I have received a response that clearly violates my rights according to HIPAA. 

AR Resources did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against AR Resources should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2016-12-14
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (FL)

Took out a home equity loan with XXXX, later became Greentree XXXX and is now Ditech. I did not know it was going to be fully due in XXXX of 2014. I thought it was a typical 10 year draw with a 20 year payback. I did not have the {$68000.00} due. I rushed to refinance and was ready to close. They pulled the credit report and Grentree marked it as late. I tried several times for an extension of terms so I could remove the negative from the credit report but they refused. We asked them to remove the negative so we could close and get them their money. They refused. I have been paying them $ XXXX since then and they have taken no action. Just tried again to refinance to pay them off but was denied by XXXX XXXX because Ditech did not return their call for more information to possibly close.
Consumer complaint received 2017-01-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Nelnet, Inc. (HI)

Firstmark Services ( a division of Nelnet ) is calling me every 10 minutes despite my request that they not do so. I have been late with my student loan payments the past 2 months, but I always pay : I have paid my loans consistently for over 12 years! They are intentionally harassing me with extremely frequent phone calls, instead of leaving a voice message or sending an email. I found multiple similar complaints by XXXX searching their phone number, XXXX. They are also using some sort of countermeasures to circumvent call blocking ( after successfully blocking their call once today, they were able to AGAIN ring my phone about 10 minutes later ).
Consumer complaint received 2019-05-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (PA)

I XXXX XXXX purchased XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX on XX/XX/XXXX I used XXXX   XXXX XXXX XXXX XXXX XXXXXXXX XXXX Pa. At closing XXXX was held for school tax for XXXX county PA. 
My original loan company at time of closing was XXXX XXXX XXXX XXXX XXXX these taxes were distributed to the lender from XXXX XXXX XXXX. On XX/XX/XXXX my loan was sold to Loancare these funds were transferred and deposited to Loancare on XX/XX/XXXX XXXX was deposited to predistributed payments account these taxes were due in XX/XX/XXXX and not paid. They are still sitting in Escrow I have never missed a mortgage payment EVER. I pay on time all the time I have contacted this bank over 25 times by call by email I have held for hours I have spoken to supervisors only to be put on hold and hung up on I have never been treated so poorly. I am in danger of loosing my home that I pay on every month I pay my insurance I pay the taxes to them religiously every month. My home will be put up for sale for back taxes that I paid and I can not get anywhere with them no help whatsoever I have all records of the payments and all of the info shows as well on their website and they still will not help me. I have never experience anything like this in my life my account # is XXXX Loancare XXXX XXXX XXXX XXXX XXXX VA  XXXX Please help me they are ruining my life I spend hours trying to correct this since I received the firs tax notice and they will not help me.
Consumer complaint received 2019-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (NV)

Recently as I viewed my personal file through monitoring system I noticed fruadulant account still reporting a debt of {$370.00} from CREDIT MANAGEMENT LP that does not belong to me I don't have any association with this account. This account is as a result of identity theft as it has been reported to the Federal Trade commission as identity theft. please remove this from my file and all associated accounts through all three reporting companies XXXX XXXX, XXXX, and XXXX. I have filed for identity theft and filled out a report of fraud and identity theft.
Consumer complaint received 2019-05-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMCOL Systems, Inc. (SC)

IhaveneverhadanycommunicationwiththisAMCOL.Theyneversentmeanythingotcalledtryingtocollectadebtfromme.Ionlyknowofthisbecauseitwasreportedtothecreditbureau's.
Consumer complaint received 2019-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (NH)

We were forclosed on By Citi Financial on XX/XX/XXXX. We have worked for the last few years to build credit and save to get new home. Applied for loan earlier this year. Mortgage company found a discrepancy in filing date. Sent written request including letter from our attorney asking for a correction. None to date. 

They recorded XX/XX/XXXX. The mortgage company will not move forward until this is fixed. BTW at the time we thought and were told Cit was foreclosing on us not Citi Financial. all the same nest of thieves. 

We need you to ask Citi to correct the Registry of deeds.
Consumer complaint received 2019-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (RI)

I scheduled a payment to my secured credit card in the amount of {$56.00} on XX/XX/XXXX which was returned by my bank and I was charged a return check fee of {$39.00} on XX/XX/XXXX by Citi Bank. Another payment was scheduled in error in the amount of {$270.00} on XX/XX/XXXX which was again returned by my bank and I was charged another {$39.00} return check fee by Citi Bank on XX/XX/XXXX. My credit limit on this card was {$300.00}. I made a payment of {$280.00} to make up for the payments that were returned on XX/XX/XXXX which cleared my bank on XX/XX/XXXX. I was charged another return check fee of {$39.00} on XX/XX/XXXX. I called Citi Bank to let them know I had fraud on my account and found out that they had the payment of {$280.00} on hold until XX/XX/XXXX. I spoke with a Citi Bank representative who called my bank to verify that the funds did clear which they confirmed it did and my payment was taken off hold. This left me with a credit to my balance of {$110.00} and the full credit limit of {$300.00} available to use. I made a cash advance of {$100.00} on XX/XX/XXXX which ended up leaving me with an available credit of {$260.00} due to the credit on my balance and a credit on my balance in the amount of XXXX. I went to use my card yesterday on XX/XX/XXXX for {$30.00} and the card was declined. I called CitiBank and was on the phone for over 30 minutes when they said that they closed my account due to the 2 payments that were returned unpaid. They said they would be able to issue a check for {$62.00} since that was the credit on my balance but that I would have to wait 1-2 billing cycles for my initial deposit of {$300.00} to be returned. I asked for a manager and XXXX the representative who I was speaking to said no one was available and they would have to call me back in about 10 minutes. After over 4 hours no one called me back so I called them again. I explained the situation to the manager XXXX and she said since the account was now closed she would not be able to issue a check for the initial deposit for 1-2 billing cycles but could issue the check for {$62.00} immediately. So after all was said and done my current balance was - {$62.00} and they owed me {$300.00}. I looked at the account today XX/XX/XXXX and now it is showing that there is a current balance of {$210.00} but there were no purchases and no transactions posted between the 2 days. They are trying to say that I owe a balance now so they can try to swindle me out of my money. I took screenshots of everything. They are trying to scam me and are using unfair and unlawful practices.
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (IL)

XXXX XXXX I deposited my IRS tax refund check at the ATM in XXXX. The check was for XXXX XXXX  the problem is that I cant access my funds which is impacting my bills I understand that there is a time frame for these things but I dont understand why my account is restricted when I didnt do anything wrong. When I called about the issue the lady stated 30 business days to verify my check when I dont have that type of time is there anything to do to speed up this process. please help just want access to my funds.
Consumer complaint received 2019-05-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (KY)

I fell behind on mortgage payments in XX/XX/XXXX. On XX/XX/XXXX I attempted to repay the amount I was behind ( approx. {$2500.00} ). I told the bank ( JPMorgan Chase ) that I would have the payment within a week. My wife contacted the bank a week later to make the payment and was told that the mortgage had been sent to the foreclosure department. Since that time I've applied with Chase for a loan modification and they have denied me because of requirements of the USDA loan. I've additionally sought help from XXXX ( Kentucky XXXX XXXX XXXX ), as they have a program that is supposed to provide assistance to individuals like myself who have been involuntarily unemployed ( I was laid off twice in the past year ). It appears that the Kentucky XXXX  XXXX XXXX is no longer in existence. Chase bank has sent me documents informing me that my options are limited to short-sale and/or deed-in-lieu of foreclosure. I desperately want to keep my home as I have a wife and XXXX kids living there with me and we have nowhere else to go.
Consumer complaint received 2016-12-13
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (MA)

i received a call from a complany XXXX XXXX and associates stating that I had owed monies from XXXX to a XXXX financial and that they took over the company. I believed them because this was the time I was going through a divorce and I did owe money. They stated that I owed XXXX but they would settle for XXXX in XXXX payments of XXXX so I believed them because I did owe money from back then and gave them my num, ber over the phone in which they took out the XXXX on XXXX/XXXX/XXXX. When I called them on Monday because they were supposed to send me an email with the agreement the lady on the the telephone was very shady. Thenumber I called for XXXX and associates was XXXX. I called to check up on that num, ber with the division of banks and they told me there is no such company and that number is a fake number so they instructed me to \file a complaint.
Consumer complaint received 2024-10-10
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: Experian Information Solutions Inc. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2019-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NY)

I had over XXXX ultimate reward points which I value for over {$6000.00} and the bank took it away after closing my account. 

The whole reason the bank recently closed my account was for having an old balance with them from a write off account, I had with them in the 2008 recession. Although, it was clearly discussed while I opened the account and I even offered them to pay it which they refused. They were totally ok and fine to open the account. Therefore, I'm very concerned about why they suddenly closed it now, after again being with them for a couple of years.
Consumer complaint received 2016-07-06
Product: Debt collection — Auto
Issue: Communication tactics — Used obscene/profane/abusive language
Company: National Commercial Services, Inc (IL)

Collection agency NCS have been repeatedly calling me on my cell phone during work hours. When I answer I have been put on hold and eventually forwarded to a voicemail. I was finally able to get a hold of someone only to be yelled at called XXXX and then hung up on.