davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (OH)

On  XXXX / XXXX / 2017  around  XXXX   XXXX  I calle d Chase Credit Cards to request a confirmation of the expiration date of the 0 % interest on the amount borrow ed. I was provided such information :  XXXX / XXXX / 2017 . Consequently I asked what the pay-off amount would be at that date assuming I would continue to make the minimum payments until the n ( Chase already charge me the interest upfront and called it a transfer fee ).  The representative transfer the call to  XXXX   XXXX  TX to a supervisor named  XXXX   XXXX   XXXX  refuse to provide such information and suggested I call back in    XXXX    2017  to obtain the pay off amount. I intend to set the minimum payments in automatic bill pay through my bank and to pay the final pay off amount in the same fashion. I believe tha t Chase refused hoping I will be late on my payments with the expectation of collecting related fines and fees. Please have someone at Chase c all me back with the requested information.
Consumer complaint received 2017-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (WA)

Wells Fargo has very unfair personal loan to pay credit card. Very Very bad customer service and makes fun of people. They have Bad currency and when I pointed this out they ignored it. They fail to understand that my funds are mine and they will not communicate in normal manner, but make fun of me. They treated me extremely badly today XXXX-2017 when I attempted to ask about credit card and loan and how to fix it. Last month I had to shut checking account down. XXXX WA state have branch
Consumer complaint received 2017-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

On XXXX 2015 and XXXX 2015, I paid my mortgage but XXXX is reporting a 150+ days late on my credit reports. This was during a trial payment plan in regards to a loan modification.
Consumer complaint received 2017-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: First Data Corporation (CA)

FirstData ( merchant processor for   XXXX   XXXX   ) allowed a customer to order my product and have it shipped to the billing address on record and keep my product and do a chargeback thus also taking my hard-earned money! I was told to supply a tracking #  XXXX -US USPS Overnight. Which I did. Now, I 'm told that I did n't provide tracking information and that I should fly out from California to Ohio if I wish to take this up with the customer directly. FirstData is saying that my proof of compliance with   XXXX   requested information is insufficient.
Desired Outcome : I want {$410.00} placed back into my account asap.
Thanks,   XXXX   XXXX  , Owner   XXXX   XXXX
Consumer complaint received 2017-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: DISCOVER BANK (NC)

This is a company which I was reported to the Bureau two months ago and once again who uses all the power to mess up my personal record. on XX/XX/XXXX this year I filed a complaint against Discover credit card and Discover company did not respond to my complaint and discover credit card ignores me, Discover file another wrong report to the credit bureau because of all these I believe for the last two years I have cheated by discover credit card and probably the purchase and the billing were wrong so therefore, I ' m asking for the bureau to have a broad investigation to Discover credit card for abuse of trust. One more time if any of the info was wrong I would like to ask the bureau to step in and solve this issue. I think Discover credit card abuses the power and consequently discover board destroyed my character and put me into a situation where I can even get a job.
Consumer complaint received 2017-06-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (MN)

In XXXX my wife and I took out a first lien heloc loan with XXXX XXXX and XXXX to pay off credit card debt. One of the 3 cards to be paid Discover now claims not to have been paid. 9 years later a debt collector XXXX XXXX XXXX is trying to collect on this debt which started out at {$9000.00} and has grown to {$24000.00} with a default judgment that should be vacated because it is part of a secure loan I have been paying XXXX for the last 10 years. A mn attorney general 's office rep from the consumer services division, XXXX XXXX, has asked XXXX XXXX and XXXX XXXX XXXX to honor the hud1a statement which they have been sent a copy of that clearly states they have been paid. Please help quickly as we can not afford to pay a {$500.00} a month mortgage payment, a {$500.00} a month loan payment, and having my check garnished 25 % a week totaling over a {$1000.00} a month. XXXX  seems to have no interest in helping resolve the issue as we have made several attempts to contact them with no reply.
Consumer complaint received 2017-08-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (WA)

Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint because your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). We are happy to provide any requested additional documents to complete this client 's loan modification review. It is improper, however, for you to deny this application based on a determination that the application is incomplete. The lender is stating the application submitted for the review is not correct according to FHA required form - I have attached the application, which is the same as what is being requested for this review and has already been provided.
Consumer complaint received 2017-04-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (CA)

I need some assistance in having Fedloan process my most recent IDR request form that was submitted on or about   XXXX   XXXX   XXXX   , via fax.  I have made numerous phone calls regarding this and have been consistently told that either the form was being processed or that it could not be processed. In the meanwhile, I did not make an  XXXX  payment because I do not have the new amount and was advised by Fedloan to NOT make an  XXXX  payment ( and to wait for the form to be processed ) because I am not at risk of negative reporting. I am concerned because I had a similar situation late last year and my account did in fact suffer negative reporting.     Se e Fedloan letter date d  XXXX / XXXX / XXXX  wherein I was told that I needed to make three on-time payments under my current IDR plan before a IDR for a lower payment could be processed.    See Fedloan  bill dated  XXXX / XXXX / XXXX  that shows the  XXXX  payment due of {$700.00} which was the current IDR payment.   See my  XXXX  -  XXXX   XXXX  payment history which shows that I made three consecutive payments in the IDR amount and on time.   Fedloan required me to re-submit IDR request because pay stub had expired. I sent in new request on or about    XXXX   XXXX   XXXX   as  stated above - via fax.   See  Fedloan letter  dated  XXXX / XXXX / XXXX  wherein I am again told that my request was denied because I needed to make three consecutive on-time payments on the current IDR. This obligation has been fulfilled pursuant to the  XXXX  payment history submitted.   I have had numerous telephone conversations with Fedloan to explain that I had fulfilled this obligation and attempted to determine a new payment. I spoke with a representative last week who advised that my IDR form was still under review but offered that my estimated new payment when approved would be {$280.00}.   On Monday of this week (  XXXX  ) I called  Fedloan  and requested to speak with a supervisor to demand a new payment because I was past the payment due date. I spoke with  XXXX  who explained in layman terms that my account ha d a road b lock that he needed to move to clear the way for my IDR to be processed.   See  Fedloan letter d ated  XXXX / XXXX / XXXX  where again, they are denying my IDR request until I make three consecutive on-time payments on current IDR. I HAVE DONE THAT!!!   When I accessed my Fedloan account online today I noticed that the payment amount had changed from {$700.00} to {$630.00} ( See screenshot ) I have no idea how, why, or when this odd payment amount was attached to my account.     Clearly  Fedloan  has me going in circles and as a result the good standing of my account and ability to manage it is greatly compromised. I simply need to know what my new payment is and when I can begin to make the new payment. Given the circumstances, I should not be penalized in any way. Thank you.
Consumer complaint received 2015-12-28
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Southwest Credit Systems, L.P. (NJ)

Received XXXX plus calls on cell, work phone, and house phone. First time I answered I asked what this was in reference. They would n't tell unless I verified my social, which I would not do over the phone with some strange company. The second time I asked them to forward the information in the mail. I recieved nothing. The XXXX time I asked them to stop harrassing me at work, home and my cell. Then they continued to call on all three lines almost every day 2 times a day for 6 weeks. I spoke to a supervisor at Southwest credit XXXX XXXX XXXX id # XXXX and asked to stop and asked why it has n't stopped.
Consumer complaint received 2017-08-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DataMax Corporation (NC)

XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Interstate Credit Collections XXXX XXXX XXXX XXXX XXXX, NC XXXX Re : Acct # XXXX This letter is in response to your recent claim regarding account # XXXX which you claim I owe {$750.00}. I have never called you and said I could n't pay as a matter of fact you all sent me a letter said you " will not response to anymore more of my credit clinic letters ''. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself.
Consumer complaint received 2017-06-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (NY)

I currently have a collections account on my credit report from a collection agency by the name of I.C. Systems INC. and researched they do not not have a license to collect debt in New York. I have never had a contract with I.C Systems INC. and am not liable to pay any amount of money to them.
Consumer complaint received 2015-07-06
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TMX Finance LLC (TX)

On Friday XXXX XXXX 2015 my car was unlawfully repossessed by a GPS tracker device placed on my vehicle by the repossessing agent that was authorized by the lien holder Title Max. I have done my research and in the state of Texas you have to be a license Private Investigator and have a signed contract by the ones who hired him to perform this. I would like to know who the Private Investigator was and I would like to have a copy of the contract. Then when I called them, they stated that my vehicle was reposed on a different date, the documents did not match up, and the manager there told me that he was helping me out. They mailed a certified letter weeks after the car was repossessed they never sent a certified notice before they reposed they vehicle. The finance company is not information that the finance inclose.
Consumer complaint received 2017-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (AZ)

I have encountered the issue with Citibank twice now where I have called them to cancel my credit card and close out the account and when I go to check it several days later, the account is still open. When you call in, the customer service representative will bring on an " account specialist '' to assist you with closing the account. You can tell them 100 times in a row to close the account and they will speak over you and say ok you agree to our promotion and so forth. In this last case, they signed me up for some offer and left the account open. Clearly, they employ some shady individuals who clearly receive some sort of perk for retaining customers. Beware of these people as you will more than likely have to call several times and cross your fingers hoping that the account is closed and you are not billed for services you never requested as well as an annual fee. I consider it harassment. It is as bad as a timeshare pitch which is not right. You should not be harassed and charged exorbitant fees for trying to close your account.
Consumer complaint received 2017-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

I have an account with   XXXX   XXXX   XXXX   XXXX  . During the course of the loan, I went through a Loan Modification program.   XXXX   XXXX   had me under a contract to pay a significantly lower mortgage payment for 12 months and then my mortgage was refinanced.   XXXX   XXXX   is reporting several months of late payments although I paid the contracted and agreed upon loan modified payments during this time. My payments were never late- they were modified by   XXXX   XXXX   . I paid the AGREED upon MODIFIED payments and they should not be reported as late. I have contacted   XXXX   XXXX   several times and they have informed me that they are showing my account in GOOD STANDING. One customer service representative told me that the late payments will not be removed because even though the loan was modified, it was not the original payment amount. Under the loan modification, I was told that I could not pay any MORE or any LESS than the agreed upon amount and had to follow strict modification guidelines.   XXXX   XXXX   is reporting false information on my credit report. This false/inaccurate reporting is causing financial hardship and undermining my credit worthiness.
Consumer complaint received 2017-04-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (GA)

Afni, Inc is  attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (  XXXX ,  XXXX  or   XXXX    ) this acti on might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit rep orts. Afni, Inc are  in violation : the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character.
Consumer complaint received 2017-08-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BARCLAYS BANK DELAWARE (FL)

I sent written instructions to Barclays Bank to close my savings account ending XXXX. The terms of the account say that I can close it at any time. Rather than closing the account, they have blocked me from sending correspondence. Note that the terms of the account do not require that I call them and I refuse to do so because ( 1 ) there is no written legal record of the closure request if it is made orally and ( 2 ) this is a blatant attempt to make it difficult to close accounts in the hopes that consumers simply keep them open.
Consumer complaint received 2017-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (DC)

Purchase was made with XXXX XXXX which was not to suppose to charge my Chase Card nor Chase was suppose to charge me. This matter was well discussed and was going on months and months just to frustrate and not resolve by the facts and merits. I have a number of dispute with chase and they are very wrongful people they know it well as I know them well know, it is just out of way in the business due to the relation with these people. I will discuss in particulars of the matter when you get through and I I hear from you in particulars in written form that will be subject to discussion. Looking forward to hear in this respect. Sincerely.
Consumer complaint received 2017-04-27
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. (MI)

If you take a look at my credit report you will see open accounts i never had like   XXXX     XXXX   XXXX ,  XXXX ,   XXXX   XXXX   in   XXXX   and other inquiries from other states i never been to i dont understand why my credit score dropped so much because of false inquiries thats not even mine i believe someone stole my identity and i swear to you those accounts are not mine please take some time to review my report and call me to my mobile phone if you need any information regarding my case please and thank you i really want my credit score back up and good  XXXX  yours sincerely  XXXX   XXXX   XXXX
Consumer complaint received 2024-08-14
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: Experian Information Solutions Inc. (TX)

Please assist me in regards to some XXXX items that are showing on my XXXX, i already provided the XXXX documents the last time you asked me to provide together with the XXXX letters and the specific accounts that I wanted to be removed from my XXXX.
Consumer complaint received 2017-08-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: PNC Bank N.A. (OH)

i had money transfer to me from a friend through the PNC virtual wallet insider app the money was received by PNC bank on XXXX XXXX 2017.
i still dont have the money yet, its like its been lost,, i have talked to a half dozen people who refuse to call me back and update me..
i have an email fromXX/XX/XXXX showing the deposit into my PNC acct but funds wouldnt be realeased for 3 days, and it shows as being received inside their vitual wallet insider app on XX/XX/XXXXi have taken on late fees from creditors, ( ive had bills shut off and had to pay reconnection fees ) had to borrow money to pay bills, they arent even trying to solve this,, I used the XXXX App that they advertised an instantaneous money transfer only to find out once transferred, there is a 3 day wait the money is lost ... no one can find it,, the friend that sent me the money will not give it to me again, as it hasnt been returned to his acct, even though PNC has said they disputed this weeks ago XXXX confirmed last weds, that the money was received by PNC onXX/XX/XXXX but yet i have not received anything but,, being blown off by everyone in this bank, including the escalation dept.
Consumer complaint received 2017-06-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: MARINER FINANCE, LLC (PA)

I am writing to complain about an insane marketing practice. I received a check in the mail from " Mariner 's Finance. '' It was a check for {$3500.00} made out to me that I could cash. It had a finance charge of {$1700.00} and I think 26 % interest. I was really upset that they could advertise like that, it seems incredibly predatory. It is an easy way for someone in a pinch to get money, but the terms are unbelievably horrendous. I do n't know whether this is legal but I hope it is n't and Mariner Bank is stopped. If it is legal I hope my outrage keeps others from falling for this predatory tactic.