davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

I purchased a new house on XXXX XXXX, 2016.
The minimum payment is {$1200.00}. This amount does not include escrow, which I cancelled three months ago for reasons I will explain below. Every time I make a payment I add an extra amount ( normally {$3000.00} ) toward the principal. The Ditech website has a specific space where I can type the extra amount ; it is called " Additional Payment ''. However, very month, Ditech redirects the additional payment toward future interest and escrow ( which, as I pointed out, I cancelled because of this ), and gives me permission to skip the next two monthly mortgage payments, and pay interest and escrow two months in advance. I have told Ditech to stop doing this, but the problem persists. All this is causing me a lot of confusion and prevents me for seeing a clear picture of the amortization table. I need two things done : 1. I request that Ditech stops redirecting additional payments toward future interest.
2. I do not want the escrow reinstated.
Consumer complaint received 2017-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (MD)

I received a collections notice from Allied Collection SVCS around XX/XX/XXXX regarding a XXXX Bill they claimed that I owed. I called the collections company and explained that I have not had a XXXX account since XX/XX/XXXX, have always paid all bills in full, and this is the 1st notice that I have ever received. The total they claim owed is {$4500.00}. <P/>The company could not access any records or provide any proof that the debt was owed. The collection action is on my credit report and affecting my credit score.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (IL)

Recently checking my credit report I noticed that Ive been victim of Identity Theft and found numerous credit inquiries I have no knowledge of here are the inquiries Ive have found ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Us bank XXXX XXXX XXXX
Consumer complaint received 2024-09-27
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. (CA)

On XX/XX/year> at XXXX and XXXX XXXX  I received XXXX charges at XXXX in XXXX, CA for {$120.00} and {$120.00}. I live and was in XXXX CA at that time. I immediately locked my card and attempted to call chase but the wait was XXXX mins so I called the next morning to report the charges. They gave me a temporary credit and said they would be investigating. On XX/XX/XXXX I received XXXX reversal charges for those amounts above. I called them and they said the charges were found to be authorized by me since they used chip and a pin and I still have possession of my card. I was told nothing could be done as they believed it was me. I called again and he told me to upload documents showing where I was. I uploaded a XXXX XXXX screenshot that showed the date, time and location of where I was at the time my card was being used. I called again and the supervisor told me my pin and chip werent used and it was swiped and theyd be able to reopen my case. The next supervisor told me he wouldnt be able to reopen the case cause I still had possession of my card and theres no way a skimmer couldve been used ( how does he know that??? ) I was then told to take them to small claims court and nothing could be done via phone.
Consumer complaint received 2024-09-21
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (NJ)

When my daughter moved out of the apartment complex ( XXXX XXXX XXXX in XXXX XXXX, we paid what was due according to the move out statement, less {$300.00} cleaning fee, which we were disputing. We never received any response to our letter describing the dispute, and the check was cashed by the apartment complex in XX/XX/XXXX. In XX/XX/XXXX, we received a call from a debt collector stating that we owed money for bounced checks. We had no idea of what this was about and requested information, which we were told that they do not have to supply that to us, that their " client provided me with all the proof I need ''. We eventually did get proof from the debt collector, which was for the full amount of the move out statement, even though we paid everything with the exception of the {$300.00} which we had disputed more than XXXX  years prior. Once we sent proof back to the debt collector, we did not receive a response from them. Next thing we know, {$300.00} is appearing on my credit reports as a collection. We then sent a letter to the apartment complex and have not received a response.
Consumer complaint received 2019-11-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (VA)

I've attended XXXX XXXX XXXX College and also XXXX University. To be honest, I was XXXX to even take the money and didn't realize how high my payments, late fees, intererst would be. I've tried multiple times to show them that I now make good money, but I have a lot of expenses and I can't commit to a payment that's over {$400.00} per month. I'm willing to commit to something but I know if I commit to {$400.00} per month, it will still take me decades to pay off my debt, but if I get caught up in bind, I will be right back in this position down the road. My credit score was FINALLY getting back to around {$600.00} after working with my bank and doing well with a secured card. I was excited to go get a car from a dealership and not a buy here pay here place with a 30 % interest rate. Recently, my score dropped 50 POINTS because they decided to increase the balance again. PLEASE HELP ME GET THIS ON TRACK, THE INTEREST RATES, LATE FEES, AND PAYMENTS ARE TOO HIGH AND IT'S NOT FAIR!!
Consumer complaint received 2024-09-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

I opened a personal checking account with Chase Bank account on Thursday XX/XX/XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX deposited {$6000.00} in US currency XXXX I.e., cash and a cashiers check for {$74000.00}. After the account was opened, I asked the XXXX XXXX to assist me with a domestic Wire Transfer in the amount of {$5500.00}. I was the recipient of the wire transfer. 


An XXXX later, I got a call from Chase to XXXX me that the wire transfer was denied because the funds that I deposited would not be available until the next Business day even though I deposited {$6000.00} in cash. The Chase representative asked me the reason doer the wire XXXX told me to resubmit the wire on Friday XX/XX/XXXX. 

On Friday XX/XX/XXXX, I t returned to the same branch and requested the XXXX XXXX to walk me through the steps to initiate a wire Transfer from my account myself. 

I resubmitted the same witw transfer that the branch XXXX completed on Thursday XXXX, which should have been approved since I deposited {$6000.00} in cash. 

Within XXXX minutes of resubmitting the new wire transfer. My online account was abruptly locked supposedly due to suspicious activity and was told to contact the chase XXXX department and. after being on-hold for XXXX minutes on-hold, I was told that Chase made the decision to close my account without any explanation or reasons. 


After this happened. I spoke with the branch XXXX to find out what happened, and after the branch XXXX called the back office. they wouldnt tell him anything either. 

I inquired about getting my funds in the amount of {$80000.00} and was told the bank was holding my {$80000.00} for XXXX business XXXX calendar days with the excuse that Chase would be conducting review before my funds would be sent to me. Since the bank made the arbitrary decision to close my account there is nothing to review. 

I demanded that my funds be returned immediately and was given the same XXXX  excuse about the need for XXXX conduct a review. The bank is using my {$80000.00} funds free of charge and limiting access to funds. To further exacerbate the issue, I told the bank that was leaving for a trip to XXXX XXXX on Sunday XX/XX/XXXX for XXXX month and the bamk wil not release my finds until XX/XX/XXXX. 

There is no valid reason for Chase to have free use my funds for XXXX calendar days and I need your assistance to immediately receive my {$80.00} prior to my departure to XXXX XXXX on XX/XX/XXXX XXXX
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XX/XX/XXXX This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (GA)

Dear CarMax Auto Finance and Credit Reporting Agencies, I am writing to formally demand the immediate removal of an account that has been illegally reported on my credit report. This account is linked to a vehicle purchased fraudulently using my personal information without my consent. Despite my multiple requests for removal, this account continues to appear on my credit report, which is a direct violation of my rights as a consumer. 

I want to stress that the ongoing presence of this account is not just an inconvenience ; it is a significant issue that has caused me financial harm and emotional distress. It is unacceptable that my information was misused to obtain financing from CarMax, and I have already taken steps to report this situation to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). 

Furthermore, if this account has been charged off, it is illegal to continue reporting a debt that has already been settled or compensated. I insist that you take immediate action to remove this account from my credit report and ensure that it is not reported again in the future. Failure to do so will result in further escalation of this matter, including potential legal action and additional complaints to regulatory agencies. 

I expect written confirmation from both CarMax Auto Finance and the credit bureaus regarding the immediate removal of this account from my credit report. This matter requires your urgent attention, and I trust that you will act swiftly to resolve it. 

Thank you for your prompt cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (FL)

Company : US Bank I opened an account at this bank in XXXX of last year and after 2 or 3 weeks I had the account closed without any prior notice, I had around {$370.00} and I am a XXXX  and this money is really important to help me paying for my expenses. I called the support number and they said that I had entered the wrong address, but that my check with that amount had returned to their database, and that I should go into the app and enter my correct address so that I would receive my check, I did this but I didn't receive anything. I tried to go to the branch to talk and they only told me the same thing, and they didn't help me at all. I've been trying to contact them for over a year now and I haven't gotten an efficient response.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (PA)

I called my bank to see if I was able to skip a mortgage payment and tack it to the back of the loan. I was informed that there was a program that I could enter which would allow that as long as I made the next 3 payments on time, it would indeed go to the back of the mortgage. We agreed. No paper work was ever signed. We began making the payments each month after XXXX, as agreed. I was never told it would impact my credit or the negatives of the program or Id had not done it. 

As you can see in the photos, its reflecting horribly on my credit as well as my father in laws who is the co signer. The agent I spoke with today tried to help me understand what the program was and my options but neither option will fix my credit. I wasn't in that much of a hardship to even need all of the program which I found out was a covid 19 relief program that allowed up to 4 payments to be missed, which wasn't explained. I spoke to so many agents at US BANK and none of them could explain what the program was or how it even worked after my statements where coming in saying I owed {$4200.00} when I have been paying every month but the one I asked to skip. 

I feel the original agent wasn't aware or didn't understand the program and or did not explain the cons of doing this. I don't understand how a mortgage assistant program is set in place to ruin your credit even if you do pay.
Consumer complaint received 2017-07-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc. (PA)

XXXX XXXX XXXX is trying to collect on an alleged debt that is reporting on my credit report by Gm Financial as a profit and loss writeoff but is showing a balance of {$2700.00}. I have requested debt Validation and it was not properly validated by XXXX XXXX XXXXXXXX. I also disputed with all 3 credit bureaus and it cameback as verified. However, when I requested Method of Verification I received nothing. I would like for Gm Financial and XXXX XXXX XXXXXXXX to stop trying to collect on this alleged debt and to remove it from my report and all 3 credit bureaus.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credit Control, LLC (MA)

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 2024-09-20
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. (OR)

On XX/XX/year> I saw an ad on XXXX XXXX a sale with XXXX XXXX. This ad had looked exactly like the company website with all the same photos and logos. They seem to have stolen the photos. I clicked on the link and ordered {$140.00} worth in merchandise. Right after I placed my order my husband received an email at XXXXXXXX XXXX XXXX ordered this for him and used his email, stating that they were getting ready to ship the order, but I noticed it had something weird above the thank you for your purchase and then looked at the email and realized it didn't come from XXXX XXXX. My husband and I began looking at the site we were on, and it wasn't XXXX XXXXXXXX XXXX website it was XXXX  Ten minutes after getting the first email he received a second email stating that they received the order, but it appears unpaid once the payment is confirmed they will then ship the order. I checked my bank account, and the {$140.00} charge was taken from my account under a XXXX. I called Chase that night to report the scam and open a claim. I have never received the merchandise from the company. I have never tried to resolve this with the company because they are phishing for more of my information. Why would I try to resolve this with a company who lied about who they were to get my money, then lied about getting the payment to get more information from me. There was never a problem with my payment because they took the money out of my account. Chase has denied my claim twice because I will not try to resolve the issue with the fraudulent company.
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A. (CA)

I changed my XXXX XXXX bank account at the end of XX/XX/year> and called in to request that Citi bank close my existing business bank account. The person on the phone confirmed that this could be done on the phone and stated the account would be closed within several days and a check mailed to my business address for the remaining {$42.00} that I'd left in the account. Several months later, I noticed that the account had not been closed and the bank had continued to charge it's maintenance fee of $ XXXX to the account. This resulted in non-sufficient funds on the statement for XX/XX/year> showed non-sufficient funds. Unfortunately, this became a problem in XXXX as I was applying for a mortgage loan from XXXX XXXX. It was denied by XXXX XXXX  due to having a statement with non-sufficient funds on XXXX of my accounts. I spoke with Citi bank to have the monthly service fees forgiven, which they did, but they would not help with either issuing a letter of correction or an amended bank statement to show to the mortgage lender that this was an error by the bank. Citi bank customer service also seemed to have kept no records of my interaction with their customer service that they could reference to help me with this problem. As we are well into our home buying process, this puts our entire escrow payment at risk if we are not able to secure another loan. Citi bank customer service at both the branch level and when calling their national number has been very unhelpful and unwilling to correct the record.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

There were XXXX unauthorized transactions through XXXX from my checking account, totaling to {$9600.00}. The date and amounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am reporting here as I informed the Chase associate who filed my claim that I had my debit card lost/stolen when I was on vacation, and then I was sure that my phone was spoofed when I was using public wifi services in a rest stop on my vacation ( I have seen this happen before ). The claim that was filed mentioned that I still had my debit card on me, which was not the case. After I filed the claim with Chase, not only did the people that worked with me on the phone tell me inaccurate information, they also insulted me by a ) listening to the sound of my voice and thinking I am a girl and not letting me have access to the details right away, and b ) called me ma'am many times until I had to correct them. On top of that, no provisional credit was applied while they investigated my account, which was XXXX out and then overdrafted with the fraudulent transactions for 9 days ( XXXX business days ) before I finally found out the claim was denied. So not only did I lose a week of the investigation, something I thought was going to be simple, I did not receive anything I was promised ( each day I called I was told a provisional credit would be applied right away, within XXXX hours, end of business day, or within XXXX days, on top of the fact that the dispute I the mobile banking app says to allow up to 4 days for the credit. Today, I find out that the dispute was denied because the merchant provided information to deny my claim. When I contacted the merchant the first time, they told me to contact the bank. Then today, the bank told me to contact the merchant, who are saying the only thing that they can do is " look into it '' if I file a police report. 

I am also upset that I received no potential fraudulent transaction notifications from chase, even though my account has only been open for about a month.
Consumer complaint received 2019-11-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (MI)

I spoke with a representative on XX/XX/2019abd told them of my situation and why I currently can not pay a single dollar. I do not work. I don't have any means of being able to work. I have a possible opportunity coming up to work from home and training may start next month. Since that conversation I have recieved 8 phone calls. Nothing has changed and won't until possibly next month to recieve any money but yet these collectors keep calling me.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (VA)

It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with confirmation of these corrections. 
Thank you for your prompt attention to this matter.