davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-04
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Consolidated Recovery Group, LLC (IN)

My credit report lists " attorney fees '' and this is not an attorney fees account, it was a company who we used for our Company, XXXX, to collect credit card payments. 
We had a client who returned our motor home late, damaged the motor home, and then did not want to pay for the rental or damages. 
The original date that the collection was recorded was XXXX/XXXX/2011 to the credit bureaus. 
This was a fraudulent charge back situation to our company whereby we submitted a lot of information to the credit company including pictures and our contract and yet they still honored the charge back. This is not our problem, as this company charged back the amount requested by the consumer and we had to contact them to find out why. 
Please see attached credit bureau page where it showed that the original collection was XXXX of 2011. 
I believe legally this now has to be removed from my credit as it has been 7 years. 
Thank you.
Consumer complaint received 2016-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (NM)

This was previously submitted and I received my XXXX control number meaning that you have received all of my articulate and lengthy response. My case number is XXXXfor some reason no matter how many times I have. Submitted my responses I am prevented by this website to proceed with the remainder of the form. If consumers can not submit serious issues. Through you site efficiently then we have no way to submit our very serious violations
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-09-17
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: FIRST AMERICAN FINANCIAL CORPORATION (NV)

I applied for a mortgage loan thru XXXX XXXX, XXXX XXXX, NV office ; Buying a house from XXXX XXXX ; I paid {$2500.00} earnest money. The Bank qualified me for Conventional Loan ; The XXXX qualified me for FHA. my Income to debt ratio was too high ( more than XXXX % ). I felt there is something going on ; they pushed the loan and make it work within 10 days ; the house payment was too high compared to my income ; I called and cancel the loan. I asked for the earnest money back, they refused to refund me the earnest money. and, they wanted me to buy a house that I am not qualified for.. The earnest money landed with The First American Title Insurance company at XXXX XXXX XXXX ; the FHA loan takes about 45 days to be processed, it took them 10 days to get me approved based on High debt and low income. I was approved to XXXX different mortgages in 10 days ;
Consumer complaint received 2017-02-21
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: CURO Intermediate Holdings (IL)

I am a victim of Identity theft on or about XX/XX/2016 the above mentioned company did a fraudulent hard inquire to my credit report on Equifax. After learning about this unauthorized fraudulent transaction I placed a warning and then a freeze to my credit file. I contacted speedy cash on two times in which they refuse to remove this hard inquire to my credit report thus impacting my credit rating. I have also asked for all the information that is attached to this fraudulent account in which they also refused. This refusal is a direct violation of my civil rights under the Federal Trade Commission ( FTC ) Fair Credit Reporting Act ( FCRA ) section 609 sub-section ( e ) in which it states Who must comply with Section 609 ( e ) of the FCRA? 
A. The law applies to a business that has provided credit, goods, or services to, accepted payment from, or otherwise entered into a transaction with someone who is believed to have fraudulently used another person 's identification. For example, if your business opened a cell phone account in the victim 's name or extended credit to someone misusing the victim 's identity, you may be required to provide the records relating to the transaction to the identity theft victim or the law enforcement officer acting on that victim 's behalf. 

Q. What documents must my business provide? 
A. Your business must provide applications and business transactions records, maintained either by your business or by another entity on your behalf, that support any transaction alleged to be a result of identity theft. Records like invoices, credit applications, or account statements may help victims document the fraudulent transaction and provide useful evidence about the identity thief. 
They will not comply with Federal Laws and Refuse to remove this Hard inquire from my credit report. I had a total of XXXX hard inquiries to my report and I had removed 27 of them without any problems.
Consumer complaint received 2016-06-02
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I received my tax refund check XX/XX/XXXX. My boyfriend and I both have Bank of America accounts. I went to deposit my check in the ATM and inadvertently grabbed his debit card instead of mine. They both have the same PIN 's. The next day BOA rejected the deposit because my name was not on his account. We called the XXXX number the following day and were promised that a legal copy of the check would be mailed to us and we would receive it in 3-5 days. Since then we have called BOA numerous times and keep getting told that we will receive the check in 3-5 days and still have not received the legal copy of the check and it has been a month. BOA is holding over {$6000.00} of my money that they will not let me have access to by not sending the legal copy of the check. We were supposed to take our kids on vacation this Sunday with the money but that wo n't be happening now since BOA will not send me this copy of the check they have promised.
Consumer complaint received 2016-06-03
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a Bank of America checking account. My available balance was {$2300.00} and my card was lost. Upon checking my Account online, I noticed some transactions I never made and immediately transferred my remaining balance of {$200.00} into my other account, so as to block cash access to whoever is fraudulently using my card ; and immediately called Bank of America customer service. 
A claim was filled for XXXX unauthorized transactions on XXXX XXXX 2016, totaling {$2000.00} and my card was replaced. The representative then said i 'would ' be receiving a provisional credit for my claims in 48-72 hours. 
After 72 hours of the transactions posting, I did n't receive any credit. I called customer service and was told it was XXXX more pending transaction, and that all disputed transactions must post before credits apply. 
All the transactions have posted, and yet, nothing. I called again, and was told it a new account. I 've had my account for 2 months. That to me, is n't new anymore. 
All BofA did was charge me {$5.00} for card replacement, which made my account negative balance. 
Every time I call customer service or claims department, they all say different things at different times. It makes me wonder if there 's a play book for this or these bank 's reps are just allowed to say anything to customers, even with the fact that the calls are recorded!
Consumer complaint received 2016-04-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NY)

XXXX XXXX, 2016 Re : Property address XXXX XXXX XXXX XXXX NY. XXXX I would like to file a complaint against CHASE servicer. I have been trying to get help from CHASE SERVICER for my underwater loan. I have complied with all requested documents. Servicer CHASE has issued XXXX modifications ( see attachments ) where they have failed to honored the guidelines of the HAMP-PRA. According to the HAMP-PRA guidelines, SERVICERS MUST evaluate borrowers for mortgage reduction for any mortgage loan that is being considered for HAMP with a current mark-to market LTV ratio greater XXXX %. The property fair market value is {$540000.00} ( see attachment ) CHASE servicer did not act in good faith to reduce the principal amount {$840000.00} Also CHASE SERVICER failed to calculate mortgage payments into a 30 to 40 year period as per the HAMP guidelines. I would have a balloon payment in 20 years from now at the maturity date of my loan of {$530000.00}. I can not afford that payment.
Consumer complaint received 2016-10-03
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Neighborhood Title Loans I (TN)

XX/XX/2015 I took out a title loan with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX Tn for {$2500.00}. It was not explained that the monthly payment of over {$500.00} was not paying back my loan. This is the interest that they charged for the loan!! I feel the loan should be explained to where you understand how much your payments are going to be. I have paid several payments on my account and it does not seem to go toward the loan itself. I have received multiple collection calls daily several times a day wanting money I can not afford to keep paying toward a balance that does n't seem to be lowering. I feel I have been taken advantage of and that the title loan place was only wanting my truck. They set you up for failure by charging such high interest. The loan place also gave out my information to a family member even after I ask them plainly not to discuss my loan with anyone.
Consumer complaint received 2016-06-03
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A. (FL)

ON XXXX there was a charge on my account that was not authorized. I attempted to dispute the charge online on the bank site and it would not allow me so I had to call a customer service representative. The XXXX walked me through filing the dispute however, they never told me they were cancelling my bank card and specifically told me to answer NO to the question online through the dispute process. On XXXX I attempted to make a deposit to cover expenses and the card would not allow me to make the deposit through the ATM at the local branch. I called and at no time did they ever inform me that the card was no longer valid. They went ahead and paid XXXX charges which caused the account to become overdrawn. I called again and was told that I should be receiving a card in 3 days. A new card never arrived so I called again. This is now towards the end of XXXX. I finally received a replacement card on XXXX. When I logged in, I discovered that PNC was charging me almost {$200.00} in fees for the overdrawn items which totalled around {$400.00}. I have repeatedly contacted the bank to remove those excessive fees and they refuse to acknowledge any error. I ultimately submitted to the bank that until they correct the error I will not be making a deposit to cover what should be {$470.00}, which is the total of the overdrawn amounts plus {$72.00} in overdraft fees. The charges were less than {$400.00} originally and they are trying to rob me by charging a 50 % fee. This is usurious, fraudulent and I will not pay them another cent until they resolve the problem and acknowledge the poor customer service who never told me they cancelled the card. I work during normal banking hours and can not leave work to visit the branch in person. The ATM card was the only way I could make a deposit. I want the fees removed and I am willing to pay only once for each overdraft item. I no longer use PNC but they continue to harass me for the same after I have repeatedly tol them I will not deposit until they correct the problem. The are now not answering my request and only continue to harass me at work when I have clearly told them not to contact me during my working hours.
Consumer complaint received 2016-04-26
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL ()

The Legal entity ( GECRB HBC ) is reporting negative debt on my credit file, but this company does not exist as doing business in XXXX and the contact number provided for the negative report belongs to Synchrony Bank XXXX. XXXX XXXX XXXX, FL XXXX in the United States. I called Synchrony bank at the number reported on my credit file ( XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX ) and spoke to XXXX. XXXX checked for my name XXXX XXXX and my date of birth in their records and stated : " we do not have you in our records on file maam ''. GECRB XXXX is not a legal entity doing business in XXXX. I would like this negative report removed from my credit file from XX/XX/XXXX -Equifax confirmation # XXXX. Attached Document : print screen of my XXXX credit report on XXXX XXXX, XXXX Thank you.
Consumer complaint received 2015-08-25
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (PA)

My count number is ending XXXX. I am repaying then thru XXXX XXXX in Wyoming who set up the repayment of {$210.00}. I had credit card protection for over two years when I got laid-off XXXX, of 2012, The insurance only paid for 12 months even though I paid the full amount till my unemployment ran out. The insurance company said they only pay 12 months and the criteria changed they now pay 24 months but I never received any notice to that effect. I paid all those months for no protection over one year and 6 months. This is not fair for which I told them but they did not want to hear my complaint. Please look into to and let me know if I will be a participant in the Citibank Settlement. The new criteria is for a new issue not my problem. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX cell
Consumer complaint received 2016-10-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am not now, nor have I ever been, known as " XXXX XXXX. XXXX. '' Also, I am not now, nor have I ever been, known as " XXXX XXXX. XXXX. '' My name is " XXXX XXXX XXXX XXXX XXXX. '' Please eliminate these false names. 

Also, thee accounts with # XXXX XXXX with the Department of Education/XXXX are now discharged by the Department of Education and should read XXXX balance, paid in full. 

Similarly, the account with Department of Justice/Child Support, # XXXX, is closed, paid in full, and should no longer be reporting. 

Finally, the account with XXXX, # XXXX, has been discharged by the Department of Education and should read XXXX balance, paid in full. Please correct this. 

Please also report my spouse as " XXXX. '' Finally, the city of my former employer, the XXXX XXXX XXXX, is " XXXX, '' Virginia, not " XXXX. ''
Consumer complaint received 2017-02-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Progressive Financial Services, Inc. (OR)

To whom it may concern, My pay has been garnished three times by XXXX different debt collectors. The first 2-garnishment money was never applied to the loan. I made payments for 2 years from XXXX to XXXX of XXXX dollars. It was never applied to my loan and in XXXX I lost my job and could n't pay any more. My original loan amount was XXXX dollars approximately. When I got in position to make payments again the SL people wanted XXXX at once or they would garnish 25 % of my pay in about XXXX. This went on for years up to beginning of XXXX. I could n't pay because they kept saying the wanted the total loan amount and adding the interest to the principal and calling it the new principal never crediting the money paid or taken. I would have made the payments agreed on 25 years ago and paid it off. I could n't afford to keep paying them and not have the payments applied. So by adding XXXX dollars in fees and upping the principal by adding interest to it the total amount they wanted in XXXX was XXXX plus. Since then they have garnished XXXX dollars out of my pay. They waiting to steel my tax return next. If you can help I would like to have the total reduced, the loan taken out of garnishment and go back to the payments agreed on 36 years ago. They are using the fact that they are a government agency to steel false loan amounts. 

Thank you for your time, XXXX
Consumer complaint received 2017-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (TX)

I have had the American express blue card for over 8 months with a perfect pay history and an average fico score of XXXX for this period. My credit limit was initially {$10000.00}. approximately 2 days ago, X/XX/2017 I received and e-mail from American Express stating they have lowered my credit limit from {$10.00}, XXXX to {$1400.00}. I called to ask why considering my perfect pay history and never utilizing for than 9 % of my credit available and was told it had nothing to due with pay history or responsible use of the card but a automated financial review system decided that I should have XXXX credit line without any notice or contacting me in advance. this has caused my credit score to drop because my account utilization has gone from 9 % to over 80 % because of this decision without my knowledge.
Consumer complaint received 2015-08-25
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC (TX)

contacted thru e-mail and thru text. title of the email and text was- repossion of your XXXX. They ran a payment thru unauthorized after i was e-mailed telling me that the payment that I had set up was deleted.
Consumer complaint received 2016-08-15
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (MD)

My credit monitoring service has flagged a hard inquiry from CBNA, XXXX XXXX XXXX, XXXX XXXX, IA XXXX on XXXX/XXXX/2016. Online research seems to indicate that this is Citibank. While I have held Citibank cards for many years I have neither used one recently nor have I applied for credit with Citi. I have not authorized this hard inquiry and want it removed from my credit report ( so far at XXXX ). I have had some attempted credit fraud earlier this year and want to be sure that this is not unauthorized activity but can not seem to get any response to my inquiries at Citi.
Consumer complaint received 2016-06-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (TX)

I was approved by Chase Home Loans, for a loan modification with a fixed 2 % interest rate for the life of the loan. My modification agreement began in XXXX and stated it was to continue through XXXX. I have several mortgage statements stating that the 2 % interest rate was through XXXX. Until about 4 months ago I received a statements saying my interest rate would increase in XXXX. When I wrote Chase and sent them copies of the terms of my modification, they never responded to me. In XXXX of XXXX, I received a letter from Chase stating my loan had be sold to XXXX and that Chase would no longer service my loan after XXXX XXXX, XXXX. The letter also stated the NEW INCREASED Amount of my mortgage payment and the NEW INCREASED Interest rate of 3 % beginning XXXX XXXX, XXXX, when my loan transferred to XXXX. When I logged back on to my online account with Chase, I noticed that where it normally showed my Interest Rate change to be effective XXXX, it now showed XXXX. I reviewed online statements from XXXX XXXX back to XXXX XXXX and they had all been changed to show an interest rate change effective XXXX, however, I have original statements from Chase showing the original Interest Rate effective change date of XXXX. 
This is blatant FRAUD committed by Chase and then they sold my loan off to another mortgage servicer to try to escape their fraudulent activities. I have experienced numerous fraudulent actions by Chase concerning my mortgage. This issue is fraud and Chase should be held accountable for their fraudulent actions! 
Please contact me regarding this matter and help me to rectify this wrong-doing and hold Chase accountable for their actions. I look forward to hearing from you to move forward with this review, where I can provide documentation proving Chase Bank 's fraudulent actions. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2017-02-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Numerous calls and letters have been sent and the response is a general letter informing of their practices .... recently inquiry items and an account WITH INCORRECT information were deleted from my report and reinserted without ANY NOTIFICATION .... this is in violation of my fair credit reporting rights ... I have sent letters to have them deleted and nothing has been done ... the account XXXX is reporting INACCURATE INFORMATION which in turn should be deleted for this reason as well as THESE INQUIRIES THAT WERE DELETED AND REINSERTED ... XXXX, XXXX, and both XXXX and these weee all deleted and reinserted with NO PRIOR COMMUNICATION TO DO SO
Consumer complaint received 2015-08-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I filed bankcruptcy XX/XX/XXXX. It was discharged XX/XX/XXXX. I had a loan modification done with my previous loan servicer before they sell the loan to Ocwen loan and it was approved by the backcruptsy court. Now the new servicer Owen loan is not enforcing the loan modification as they are claiming post-petition arrears even all my payments have made timely. They were claiming my 3 months trial payments were not received as well as the signed modification documents. I have sent all the documents and my payments were all went to the bankcruptsy trustees. Now they are claiming that I owe them {$66.00}, XXXX as a post petition interest. I total disagree and this is just plain wrong doing. I am OK for you to share this letter with other people as it maybe happening this problem to others.