davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

During the recession employment was not steady. I fell behind in my mortgage payment. 

As the economy improved so did my employment. I was able to find more employment and gain higher wages. I contacted CHASE BANK who services my loan for XXXX XXXX in XXXX XXXX. CHASE BANK said that they would be willing to look at my mortgage loan and tell me my options for mortgage assistance and repayment. I was happy to hear that I would have a chance to stay in my home. Today is XXXX XXXX, XXXX almost two years later and after sending in XXXX pages if not a XXXX plus pages of documents to " CHASE BANK, '' recently CHASE BANK sent me a letter stating that they have not received all of the paperwork required for mortgage assistance and I was denied. A sale date for foreclosure was set up for my home without being given any options of repayment. 

During the time of applying for mortgage assistance so that I could do a modification of my loan. CHASE BANK would always ask me to summit document, some documents were hard for me to find like my deed of trust or they could not verify my resident because I used my PO Box as my mailing address, but all bills showed my service address as my resident. 

Once CHASE BANK claimed they had everything they needed they would say that the loan is with the Underwriter or the Investor. After the loan came back from the under writer or the investor, CHASE BANK would always say XXXX of XXXX things. They ( CHASE BANK ) need more documents, the documents have expired while with the Underwriter or Investor, or the previous CHASE BANK representative who was helping with the mortgage modification has been promoted and I have to send all new documents in again. 

This has been the cycle ( doc expired, more doc, rep changed, etc.. ) with CHASE BANK for almost two years. All I every asked for was my option to repay my loan and keep my home. 

My house has a schedule sale date for XXXX XXXX, XXXX and I am still sending in documents ( which Chase Bank is asking for ) asking for mortgage assistance, modification, or repayment options to keep my home.
Consumer complaint received 2016-06-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (MO)

National Credit Systems reported an alleged debt to my credit report. The collection account has appeared on my credit report without me ever been notified. It has been on my credit report for over 3 months. 

It caused me monetary damages and ruined my credit score since National Credit Systems reported a " collection account '' to the Credit Bureaus rather than reached out to talk or try to collect a debt first. They never sent any written information for over 3 months the account was on my credit report. 


I disputed the account with the Credit Bureau early in XXXX 2016. I disputed it with the National Credit Systems shortly thereafter. I called them to discuss just today XXXX/XXXX/2016. No resolutions have been reached as of yet. My credit score continues to be ruined. 

I need my credit report cleared and I need to learn about protections under the law that I can enjoy as related to Fair Credit Reporting Act. 

It is not right to just have any random person decide to place any alleged debt to another person 's credit report. This alleged debt appeared as a debt on my credit report with no prior checks, controls, verifications, or filtering by neither the collection agency or the Credit Bureaus. 

It is the same as anybody- your neighbor, ex spouse, ex employee ( XXXX ) would just make up a list of debts against you ( the reader ) and submit it to the Collection Agency. In turn Collection agency reports it to the Credit Bureau. Our XXXX does not attempt to resolve it with you, does not mail you anything, does not take you to courts, but resorts to malice and intimidation that hurts financially you personally and other businesses. 

I say the damage goes beyond my personal wallet as it also hurts other businesses and banks who decide not to do business with me and ultimately any of us in the same situation because of unjustly low scores. 

Responsible parties must be accountable for wrongdoing and the entry needs to be removed from my credit report. I need your assistance in this process.
Consumer complaint received 2016-06-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am filling this complaint because I have been ignored by the credit bureaus. My request to be provided with documents that their company has on file that was used to authenticate and verify these accounts and inquiries, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be varied with accuracy, that I disputed. Please resolve this manner as soon as possible I have been dealing with this matter for over four months. 


The credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. 
Under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. ''
Consumer complaint received 2016-06-30
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A. (CA)

I had an XXXX XXXX " True Earnings '' card offered through Costco. As part of the XXXX XXXX and Costco " Rewards '' program, I was sent XX/XX/XXXX a " Cash Back Rebate '' to be applied towards any future Costco purchases. I lost the rebate voucher. I called XXXX XX/XX/XXXX and was assured that they would credit this towards my bill. They did not. Account balances were transferred to new acquiring company CITI Visa. They did not receive any such notice of voucher and directed me back to XXXX. XXXX refuses to discuss this, stating that as of XXXX XXXX accounts were transferred to CITI. I called back CITI. Their records revealed although yes, XXXX approved per phone call with me to approve credit, later on a supervisor declined the transfer. 
I have since made several return calls to both XXXX and CITI and each company says it is the other company 's responsibility to address this issue.
Consumer complaint received 2016-07-01
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One Bank Credit Card - While out shopping card repeatedly kept declining. My first thought was that is fine since I had not used the card for shopping in quite sometime. I use monthly for Fitness Membership. 
So I decided to contact the fraud department to advise them that yes it is really me using the card. They were okay with that and said thanks for calling in for clarification/verification. I work in the XXXX XXXX Field so I really appreciated the Fraud Dept. looking out for my best interest. The only problem thereafter is that the card declined basically each time I tried using it and each time I called the fraud department. I was repeatedly advised that Capital One suspects fraud. Called the Executive office at XXXX and file a complaint with XXXX. I was advised it would take 7 to 10 business days for review. This was XXXX/XXXX/16. 
I called back to check the status XXXX/XXXX/16. XXXX with XXXX who advised me she would advise XXXX or whomever to please check the status of open case # XXXX. I called again today. XXXX called me back to let me know the case is still pending. I am contacting you because I do not feel they are taking my case seriously. I plan to travel out of the country XX/XX/XXXX-XX/XX/2016 and do not have faith my card will be authorized if used. I have never missed a payment with Capital One Bank. In fact, sent them a check for XXXX back in XX/XX/XXXX or XX/XX/2016 thus paying off the card in question ending in XXXX and a good chunk of the one ending in XXXX. I commend their fraud efforts as a XXXX worker. However, they are taking it to the extreme. It 's almost like they do not want to be in the credit card business. It is so embarrassing trying use to use my card to be declined in front of a bunch of strangers.
Consumer complaint received 2016-06-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (AL)

I can not pay my payment as co-signer on my daughter 's loan without being automatically signed up for automatic draft from my checking account. When I attempted to pay over the phone I had problems and was put through to a representative and was told that they could not accept my payment over the phone without collecting a {$14.00} " courtesy fee ''. The loan was initiated with XXXX XXXX and sold to Navient.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

TransUnion and XXXX are reporting XXXX late payments from XX/XX/XXXX and XX/XX/XXXX on the account listed as XXXX XXXX  which is incorrect. TransUnion and XXXX DO NOT have access to my private financial records so have no way of verifying my account history. They are also reporting a high balance on the card at {$290.00} that is incorrect. I would like the records that prove this information because if they do have my private financial history each entity will be sued for violation of the federal privacy act.
Consumer complaint received 2016-06-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (GA)

I noticed in 2015 I had a debt {$940.00} on my credit report with XXXX XXXX. I 've never had such debt, I disputed the debt, contacted XXXX around XX/XX/2015. I was told it would be taken care of as soon as possible. So On XXXX XXXX, 2015 it was removed from my credit report. Starting around XX/XX/XXXX - XX/XX/XXXX I was harrased from by XXXX, threathen to ruiun my credit, and talked to in a demeaning way. I noticed a month ago the same debt is back on my credit report {$940.00} XXXX XXXX. I 've had some other unusual incidents that raise red flags for me, like getting a lot of mail from target, scholorship funds, in someone else 's name who lived next door. A employee from XXXX call my recently asking for me using my middle name, stating that someone left their phone in the store, I was puzzeld so I ask question but the employee became uninterested. I also had small charges appear on my back account. I 've had fraud alerts placed on my reports. All my identification was stolen from me and a police report was taken by the XXXX XXXX in XXXX XXXX, XXXX I do not and never owed any cable company that amount of money.
Consumer complaint received 2016-06-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (OH)

I asked for a Goodwill Adjustment and the loan company said they do n't offer this, now I am filing a complaint because I would like the late payments removed from my credit report. During the months I was late on my payments was due to me being unemployed which left me financially XXXX to do anything. I have now gained full-time employment with benefits which is why my payments have became normal again. I am trying to buy a home and need this removed as soon as possible.
Consumer complaint received 2017-01-28
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

In XX/XX/XXXX, our Menards card through Capital One was denied at our local Menards. Upon contacting Capital One, my wife was told that she could not be given the account balance since her name is not on the card. Thinking the balance was small, my wife sent {$27.00} to Capital One. We had not realized at the time that we had not received a statement since XX/XX/XXXX. Upon visiting Menards today, the card was again denied. I promptly called Capital One and was told I had a {$28.00} balance and could make a {$63.00} payment to settle finance charges. I authorized the payment from our checking account and immediately opened an online account. I then discovered that our balance was {$190.00}, not {$28.00}. I again called Capital One customer service and requested a full record of the account. I was told that the US Post Office had returned our XX/XX/XXXX statement as undeliverable with no forwarding address. WE have lived in the same single family home for 20 years and have not moved. Capital One confirmed the correct address but had not sent a statement since XX/XX/XXXX. I immediately changed to paperless billing and closed the account.
Consumer complaint received 2016-06-30
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (CA)

Initially in XXXX XXXX i was notified of XXXX fraud applications submitted through SYN financial for Walmart and Lowes which resulted in XXXX inquiries being placed on my credit report. I received help to initiate a fraud claim with the creditor and was informed the applications had been declined and this info would be forwarded to all XXXX bureaus to have removed from my credit file. We allowed the 90 day time frame to do so and received no help or communication from Synchrony and in XXXX of XXXX we called to get an update on why they were still reporting on my credit file ; I was informed that no claim for fraud was ever submitted and the process would have to be resubmitted. Informed again by rep from Synchrony, once fraud claim initiated, the info would be fwd to the XXXX bureaus to have removed ; I began to work with an investigator from XXXX who helped me to also began disputing this info with XXXX and they informed us they could not remove the inquiries due to the creditor having to issue a claim to have removed. They stated until we received either confirmation in a letter to send over via fax or the creditor submitted dispute to remove because of fraud that the inquiries would stay as is. On XXXX/XXXX/XXXX we attempted to get another update on the claim that was submitted for fraud with SYN financial and was informed for a 3rd time the claim was never initiated and would have to be sent over again. No logical explanation was given for why the claim has n't gone through, if I have called to report twice and why also no letter can be sent out to confirm that i have been a victim and the applications have been rejected due to fraud. It has been almost a year and nothing has been done from Synchrony Financial or XXXX to assist me with getting my identity restored and I am left to figure this all out. The creditor is never helpful or can give any informative info about all the issues I have had and even after requesting to speak with a Supervisor ; I received the same unhelpful info that they will try to resubmit the claim again. I did my part by following up from the very beginning and continue to follow up with this creditor to give me the help i deserve and have received nothing but information that does n't make sense.
Consumer complaint received 2016-06-30
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This bank charges fees for items that should have been returned or that were n't allowed to go through, they do n't have properly trained personnel and thrive on collecting multiple charges. I recently lost my card and I was unable to deposit funds in a timely manner, this bank refused to waive the fees, XXXX dollars for a XXXX dollar transaction
Consumer complaint received 2016-06-30
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BARCLAYS BANK DELAWARE (NY)

Barclay sends me a promotion for a balance transfer, which I take. Immediately after approving my balance transfer, they snap a bogus charge of {$480.00} onto my account backdated three months. As this is on top of my 0 % APR balance transfer, Barclay is also guaranteed to earn massive amounts of interest on this charge. Because I can not pay off the charge unless I pay off the balance transfer ( that I had just paid the fee to take ) first. 

This is predatory banking at its finest. The charge that they billed on my account is apparently a " rebilling '' of a fraudulent charge that Barclay had earlier promised to delete for me. Now, as soon as I get a balance transfer, they rescind the deletion of the charge and add it back onto my account. They now tell me that I have to dispute the charge again, after I had already disputed and won. 

The charge that they 're trying to make me pay is a credit card charge that I never consented or agreed to make. The website billed me against my will. I never received the product or service that the charge is for. Barclay recognizes what is clearly a fraudulent charge for a product or service I never received, and uses it to their advantage to sucker punch me immediately after I take out a balance transfer. 

Be very wary when dealing with such a predatory lender. My using of the products and services of this bank has led me into much distress.
Consumer complaint received 2016-06-30
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (MS)

Midland Funding had attempted to collect money on a debt that I did not owe. Charges were put onto my account that did not belong to me. I asked Midland to provide me with documentation that I received the services for the debt owed. Midland did not provide that information. They filed a lawsuit in court agaisnt me but never showed up for court. The Judge dismissed the case. They are still trying to collect the debt and will not remove the negative information from my credit report.
Consumer complaint received 2016-06-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (GA)

Yes navy federal credit union blocked my account after me being 60 plus days a member and qualified as a member under my father serving in the XXXX in XXXX. I have over XXXX XXXX dollars in my checking and also money in my savings they blocked my rent online bill payment to my apt complex and now are refusing to unlock my account and honor my check sent from them to my apt complex furthermore they refused to accept my poa as I requested several times and also refusing to let me speak to someone in regards to my checking savings and credit card which I make XXXX payments or more a month my fathers name is XXXX XXXX I demand they take my account off of hold
Consumer complaint received 2016-06-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have disputed this account a couple times. XXXX falsely charged me back in XXXX resulting me to switch my service providers. The account was closed in XXXX. Years later, XXXX, reports to the credit bureaus. the information on my report says that they 'started reporting ' in XXXX ... not XXXX when the account was really closed. and it also states that it was closed in XXXX not true. I settled with them under the impression they would remove the file from my report. but now only are they refusing to, but they have since updated the info on my account as of XXXX. I am in the process of drafting a XXXX, if they will not cooperate and remove the closed and untrue file from my report. 

XXXX XXXX XXXX was the cell number. 
***********
Consumer complaint received 2016-07-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Trojan Professional Services, Inc. (GA)

I have made every attempt to dispute this account with both XXXX and Trojan Professionals. XXXX stated that Trojan Professional verified this debt. It will be impossible for Trojan Professionals to verify a debt that do not belong to me. I have not received anything from Trojans with regards to this debt. So they are in violation of the FCRA. Please assist me in getting this matter resolved.
Consumer complaint received 2016-07-01
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: TD BANK US HOLDING COMPANY (NY)

I received my monthly TD bank statement and saw transactions that I did not recognize by what appeared on the statement as XXXX which I learned later from the bank that it was a payroll company called " XXXX '', XXXX of them were deposits of small amounts then a withdrawal of {$40000.00}. I contacted the bank immediately because this is an account I had saved for my pension and I never use it to make any transactions and it was shocking for me to lose this amount of money and I never authorized these transactions nor did I ever hear about this " XXXX '' before. The bank was not cooperative. I filed an ACH dispute on XX/XX/XXXX which the bank denied in a letter on XX/XX/XXXX claiming that I should contact the company that withdrew the money myself. After consulting a lawyer, I sent them another letter on XX/XX/XXXX regarding my lawful rights for the ACH dispute and unauthorized transfer explaining to them the laws of the EFTA and Reg E. They acknowledged receiving the letter and they said they will answer it. I gave them 10 days in my letter to answer me but it has been three weeks and I have not heard from them. They are now avoiding any attempts that I make to contact them. Since then I closed my account with them and opened a new one in a different bank because TD bank was obviously too vulnerable to a scam and yet would not acknowledge their mistake nor help me get my money back. 
I am attaching all necessary documents that supplement my problem and they have a better explanation of the situation.
Consumer complaint received 2016-07-01
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Oracle Financial Group LLC. (CA)

This probably falls under numerous categories. The copied message below is a transcript from my voicemail system of the voicemail he left me yesterday. 

" Just wan na call a wan na (? ) call only is for XXXX XXXX XXXX (? ) birthday XX/XX/XXXX. XXXX XXXX (? ) XXXX and XXXX. My name is XXXX XXXX. I work for the attorney 's offices of Oracle Group fraud litigation apartment and we do work for XXXX XXXX County Court. So you have some very very serious allegations on my desk unless you call us all-this (? ) is by noon Pacific standard Time today Wednesday XXXX XXXX you 're gon na have to retain attorney XXXX XXXX. You also gon na be served papers to the XXXX XXXX County Sheriff 's Department at your place of employment just as simple sir and I 'm pretty sure your employers will not be happy and per federal law sorry I 'm not allowed to leave you any other information. I really was n't he was supposed to give you a call sir but at the pool (? ) at the present moment you have no type of record on your social security number that I can see how this is XXXX XXXX. You call XXXX XXXX immediately sir. I just maybe I get rid of these allegations. My direct line sir XXXX XXXX. You need to reference citation number for the State of California one call me. Citation number XXXX. That 's XXXX. You have been notified sir. "
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.