davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-20
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (NC)

We received a letter from our credit card company ( Chase ) stating that we were a risk to the reputation of their financial institution and our account was being closed. This was especially alarming due to the fact that when we tried to call about our mortgage ( with the same company ), the company was unable to verify our identity. I tried to inquire about how I could make sure I was n't being hacked and received zero help. We tried to contact the service number linked to our credit card about our account being closed and not a single person would give me more information than " I was a risk to their financial reputation ''. The only answer we got was that they had the right to close an account at any time and they were unable to give us any other information. Frankly, the representative we spoke with was extremely rude. We tried to talk to her boss and was told that she was the boss and no one was over ( even the CEO when we asked about that ). That is alarming in itself. We called three different times with no response. My concern is that we are being identified incorrectly and we are unable to get any further assistance from the company in finding out what is going on with both our accounts. We have the right to know why they are making these decisions and why they ca n't verify our identity on our mortgage over the phone. Chase has been the worst company we have experienced working with. We are both high-standing citizens, have good credit, pay our bills on time, and also respect our reputation. We do n't feel that being blacklisted over something we are pretty sure we did n't do, is appropriate. The company is un-willing to communicate with us over this matter and I feel that they are very disrespectful to their customers.
Consumer complaint received 2015-07-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

On XXXX/XXXX/2015, I sent a letter to Experian informing them that I had paid a debt listing on my credit report under a collection item. I paid the original creditor, XXXX, on XXXX/XXXX/2015, in full in the amount of XXXX, confirmation number of that payment is XXXX. I stated in my letter that the collection listing under XXXX XXXX XXXX needed to be removed. Experian notified me that the debt was actually mine and have not removed it.
Consumer complaint received 2016-10-05
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

I paid off my card and emailed customer service. They told me to pay the final balance which I did but they kept charging me fees which caused my credit score to be lowered by XXXX points. 
XXXX XXXX, 2016 XXXX ET so is my account closed or is there still a balance owed? 
Customer Service XXXX XXXX, 2016 XXXX XXXX ET Thank you for taking the time to respond to our most recent reply. It 's my pleasure to assist you with your request. 
Our records indicate that your account was closed on XXXX/XXXX/2016 and you have a remaining balance of {$6.00}. Your payment due date is on XXXX/XXXX/2016. You can make a payment through online or by calling our Customer Service at the phone number listed below. 
If you have further questions or comments, please contact Macy 's Credit Customer Service online at http : //www.macys.com by selecting Macy 's Credit Card , or by telephone Monday through Saturday XXXX and Sunday XXXX at XXXX. 
Sincerely, XXXX XXXX. 
Macy 's Credit Customer Service www.macys.com Now you can pay your bill on-line at http : //www.macys.com/mymacyscard
Consumer complaint received 2015-06-12
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (FL)

Simply, I am trying to locate and ascertain the whereabouts of CDs from XXXX, Issued for XXXX XXXX XXXX XXXX : XXXX XXXX XXXX AND XXXX XXXX is common knowledge that XXXX was acquired by WASHINGTON MUTUAL IN XX/XX/XXXX WHICH SUBSEQUENTLY FAILED IN XX/XX/XXXX and was sold to JP MORGAN CHASE by the FDIC after WAMU was seized and placed in receivershipCHASES RESEARCH DEPT CAME UP WITH NOTHING AND CAN NOT LOCATE THESE FUNDS, THE ACCOUNT NUMBERS, OR MY FATHER 'S NAME. MY dad, XXXX XXXX, passed away on XXXX XXXX, XXXX. I have contacted the New York Stae Controllers Office and they claim they never received these funds and is not being held there. My Complaint is that these Funds just do n't vanish into thin air and I need to settle my fathers estate and, as the Executor, need to distribute assets accordingly. I need an accounting and paper trail as to where these assets were sent.
Consumer complaint received 2017-01-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I am filling this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2017-03-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Sirs : I have spent the last 6 yrs. trying to give XXXX XXXX XXXX and now Portfolio Recovery 20 % of my debt to satisfy it as I did with a {$30000.00} debt with XXXX a few years ago. The time for collection is over. It has been over 6 yrs.since my last payment as I indicated in my first sentence. This debt should be NOT reported any longer on my credit history. This debt is continuing to be reported on my credit history for a longer period than the law allows. 
I want this debt removed from my credit history by. Thank you. 
XXXX XXXX
Consumer complaint received 2015-07-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (CA)

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX, XXXX , XXXX XXXXTo Whom It May ConcernI sent a letter to you disputing XXXX account and XXXX unauthorized hard Credit inquiries removed as erroneous on XXXX/XXXX/XXXX and mailed them certified, return receipt requested. I received notice in the mail that you received the dispute letter on XX/XX/XXXX.it is now XXXX/XXXX/XXXX and I have not received a response from you. 
Per the Fair Credit Reporting Act, Section 661 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the dispute accounts from my report. You must now delete the dispute and unverified accounts failure to do so can result in a {$1000.00} fine per undeleted item. 
Negative ItemXXXX XXXX Account Number XXXX 30 days Late payment on XXXX XXXX ( XXXX XXXX respond letter attached XXXX XXXX and they ask me more information 's. they not respond me within 30days period please remove this Item my Credit report ) Unauthorized Hard Credit InquiresFollowing creditors responded me and they ask me more information 's. They fail to respond with in 30 days time period .all letters attached. please remove following inquiresCreditor Inquires DatesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXFollowing Creditor 's not responded at allCreditor Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX XXXX XXXX CREDIT/FRONTIER XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXEnclosed find a copy of the receipt showing when you received my credit dispute and a copy of my original letter showing all accounts I have disputedThanks in advance to your timely response to this request ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 
XXXX XXXX XXXX XXXX
Consumer complaint received 2016-02-27
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JAMES B. NUTTER & COMPANY (CO)

We paid for homeowners insurance for my mom n laws home At XXXX XXXX XXXX, as I was notified that she did not have insurance on the property by XXXX XXXX. Our Insurance agent handling the insurance for the property faxed over the evidence of the insurance declaration, in which XXXX XXXX received and confirmed, yet they force placed insurance on her property, in which we were double billed.
Consumer complaint received 2017-02-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (AZ)

I know that my rights are being violated. I 've been disputing accounts that I know are either inaccurate or do not belong on my credit report and not only am I receiving statements that these have been " verified '', but my proof of said inaccuracies are being ignored. 

I 'm perplexed as to why I 've received statements that there will no longer be any investigation into accounts that I know do NOT belong to me. Per XXXX, the CRA 's can not just state that the creditor said that the name, date of birth, address and social security number match mine. That is not legal verification and the only form of which would be firsthand knowledge - having the docs in their possession. If they had that information, they would have sent it over to me inconsideration of the fact that I 've been disputing these since XXXX 2016. I either need to see the documentation or they need to be removed, as the XXXX XXXX XXXX accounts do not belong to me. The only items that allowed to be on my report are those in which there was an agreement to pay or owe the debt. I did not owe to pay or owe these debts and they need to come off immediately.
Consumer complaint received 2015-09-22
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: TOYOTA MOTOR CREDIT CORPORATION (MI)

My car was repoed. Toyota finance says my balance was {$4300.00}. I paid {$5600.00} through my bankruptcy dispersed to Toyota. ( copies included ) I also paid 2 years at {$260.00} per month before my bankrutpcy. That 's {$6400.00}. For a total of {$12000.00}. When i called after the repo Toyota did n't know that {$5600.00} was collected through the bankruptcy. That money was never applied. When they realized it I was promised a phone call back, and they would work something our with me. I have been ignored. I want my {$12000.00} back. That is what I paid for my car. They took it. Sonow they owe me what I paid for the car. I have included copies from the bankruptcy trustee, and a balance from Toyota. they took the entire car with low miles on so I want all of my money. It 's not fair that i paid all that money and they keep all the interest and the principle. so whay is fair is all the money I paid
Consumer complaint received 2016-07-11
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

Citizens Bank checking/overdraft acct no. XXXX. On XXXX XXXX myself and husband applied for a Mortgage with XXXX XXXX XXXX for a new construction home, to our surprise our broker had indicated that we would not be able to get the mortgage because their was a 30 day mark on our CBR for a line of credit at Citizens Bank the broker along with ourselves were shocked as this acct had been opened approx 16 years ago and has never been late. This was a surprise to both myself and husband as we had just applied and got financing, at an extremely low rate, due to our outstanding credit. After researching the account I found out this acct went delinquent in XX/XX/XXXX and appears to have not been report in a timely fashion to the CBR 's in addition while we moved out of state several years back we have never received a statement for this account, a DQ letter or even a call from any representative at Citizens Bank to notify is of an acct being past due. Commin collection practice is to send DQ letters and make phone calls starting on the XXXX day. NOTHiNG from Citizens. The phone number on the system had not changed even though we moved out of state. Now as we sit today we have a second mark on our CBR for 60 days as by time we were notified the month had rolled and there was nothing we could do. Upon receipt of this information I immediately wired funds into the account. On XXXX XXXX I reached out to their customer service department ( XXXX ) and after several minutes of the agent telling me i would have to send in a check to pay it off did the agent realize what I was talking abou and told me I needed to speak with XXXX XXXX. Once transfered I spoke to a rep named XXXX and obtained the balance and provided a check by phone to pay the account in full. I explained the situation and that I would need a letter, while I disputed the account, XXXX said they do not issue paid in full letters. I advised that I know they can do his as I worked as a collection manager. XXXX put me on hold to speak to a manager and returned stating that her manager said " I May '' get a Paid in full letter but they did n't know. XXXX then proceeded to tell me I would get a confirmation email of the transaction within 24 hours and I would have to use that to give as proof. As of this complaint I have yet to receive the " confirmation '' of the transaction despite giving her the email address and her repeating it. Also as of today the money has yet to be pulled from my acct despite receiving a confirmatikn number. i am looking to have the 30 and 60 day Mark removed from my CBR immediately.
Consumer complaint received 2016-11-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (WV)

Hello, XX/XX/2016, I printed my free credit report from Experian. Going through the report under the section ( other personal information associated with your credit, social security number variations ). There is a social security number that is not mine. It does not belong to any member of my immediate family. I need it removed and all credit reporting information associated with this social security number.
Consumer complaint received 2016-08-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (WA)

Caliber Mortgage constantly mismanages my loan. I received an increase in my monthly mortgage amount with no prior notice. I received a letter in the mail today telling me that my insurance ran out and since I have not secured proper insurance they have secured insurance on my behalf and are charging it to me. I purchased a townhouse where the insurance is covered by the HOA payment. I am current with my HOA payments and therefore have proper coverage for my townhome. Caliber seems to have a difficult time managing anything about this loan. During the lending process they were supposed to collect enough within the escrow to pay both HOA accounts on this property. Upon closing and because they kept changing the closing documents due to mathematical errors, they took out the escrow for the XXXX HOA 's and only took out enough for the taxes. They did not notify me of this and I found out two months after the HOA 's were not paid as they were supposed to be. I also found out that instead of paying at closing both HOA 's Caliber only paid XXXX until I threw a fit at their mismanagement of the account at which time they paid the missing HOA dues. The insurance situation is just another where Caliber obviously can not manage an account properly and I want my loan sold to another mortgage company that can manage it properly. 

I expect and demand that Caliber Mortgage refund the increase in monthly payment and all charges they assessed to me based on their false accounting of lack of insurance. They had all documents proving that the HOA covered the insurance in a more than sufficient manner to the point that at closing I did not have to show them my own policy for personal possessions. Because the closing did not require this coverage and the HOA continues to cover me ; this mistake needs to be reversed and cleared up completely. Caliber just needs to sell my loan and get me XXXX away from them!
Consumer complaint received 2016-03-09
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Nelson Cruz & Associates LLC (OH)

I was called by a debt collector who did not identify who he worked for. I told the debt collector that the only income I have is my XXXX. I have XXXX XXXX and have been XXXX since 2008. 
Long story short ... the representative at XXXX XXXX and associates told me the law had changed and he could sue me for XXXX plus ( that is XXXX my balance ) because now creditors can take 15 % of my XXXX income and I had better look up the new laws cause they had changed and now they were coming for me. 
I called back to find the name and mailing address of the company calling me and I was transferred to another representative named XXXX XXXX. I informed her of the tactics her associate was using. I also informed her that there had been no such law changes ... she said I was right. She then started with this magical amendment I apparently signed so they could come after me anyway. This does not exist either. My concern is that if they are doing this to me they are using these tactics on others. 
I will also be requesting debt verification because all their info is wrong ... that account was involved in a chapter XXXX bankruptcy
Consumer complaint received 2015-08-10
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (FL)

I applied for refinance for {$150000.00} on my Current Home " XXXX XXXX XXXX XXXX FL XXXX ''. With cash out I want to buy another home with down Payment of 50 %. Down payment I have in my account amounting about {$150000.00}. With the consent of Loan officer I asked for refinance, though refinance is not allowed to buy another property. Due to one or the other reason underwriting came to know that I am buying another property. They asked me to submit the purchase agreement for new property which I signed on that day and submitted. I submitted all my XXXX statements showing that funds came from XXXX " sale proceeds of XXXX property " proceeds were in form of XXXX /XXXX deposits because under exchange control regulation you can not remit beyond a certain limit. I submitted all wires. I received Close out date, hud, and al that is needed under the law. I signed all documents. Then they started to ask me source of deposits. I did not go to XXXX myself for close out. I send a power of attorney ( submitted to bank ) to my brother who was a buyer. Two days ago I received declined with reason " we can not verify the Residence '' I do not agree with it
Consumer complaint received 2016-09-26
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Mid-America Accounts Control Bureau, Inc. (KS)

I never received any statement regarding a collection account. There was never any communication from the collection agency notifying me that they were placing an account for collection, or about my right to dispute the validity of the debt. It was discovered when I found it on my credit report XX/XX/XXXX. I did not recognize this account so a Request for validation was sent. The company did not respond. A credit reporting agency confirmed to me today that collection agency contacted them with validation on XX/XX/XXXX but has still not sent me anything and credit reporting agency never notified me. I have had zero communication from this company although I have contacted them for validation, and they have failed to validate that this debt is actually owed by me. The status of this account is still in dispute and " reinvestigation in process ''. This has been in investigation since XX/XX/XXXX. Furthermore, the collection agency is reporting the same account twice on my credit report. The only difference is one says " reinvestigation in process '' and one has a XXXX added between XXXX numbers on the account number.
Consumer complaint received 2016-08-04
Product: Consumer Loan — Pawn loan
Issue: Charged fees or interest I didn't expect — 
Company: JPMORGAN CHASE & CO. (FL)

I purchased a property in XXXX in 2007, 100 % - HELOC for around XXXX and a mortgage for $ XXXX, my property is under water by $ XXXX. Now I am paying more for my HELOC and no one seems to explain me why. I requested the amortization schedule and they denied me that information. I went to lawyers couple of times, they mentioned to me this is a bad loan. I want an audit on my loan, I did not qualify for XXXX. They took $ XXXX from my HELOC years ago. What I am supposed to do with the undervalue amount, loose my property in XXXX or 20 years? I called New York Chase XXXX many times and their answer was it was my problem not their problem, you need to figure that out. I am sure they did not write that in their system of records.
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (WA)

Experian will not re-investigate my disputes even after sending them new information. They continue to report items on my credit reports that are inaccurate and must be removed. These items has already been removed from XXXX and XXXX after sending each credit reporting agency the exact same information. This shows me that Experian did not do a full investigation and continue to report this inaacurate information on my credit report.
Consumer complaint received 2016-03-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (FL)

I have made at least three requests for modification of my mortgage with Caliber Home Loans, all of which have been denied. They have not provided sufficient reason for the denial and three appeal letters have always resulted in a denial. I am concerned about the practices of Caliber Home Loans and their possible discrimination against certain type homeowners. They appear to want to appeal to all homeowners and say that offer help for distressed mortgages etc, but they have made no effort to assist us as evidenced by all the denial of modification requests. They only have been servicing our mortgage since XX/XX/XXXX and since this time have been not been helpful in ensuring we can remain in our home.