davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-09
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (CA)

In XXXX XXXX I ended a lease with XXXX XXXX and purchased the vehicle with a loan from Chase Auto Finance. At the time I was living in XXXX, and in XXXX of XXXX we moved back to XXXX. Once I moved I started getting documents from Chase, sent in XXXX overnight envelopes, stating that I owed over {$2000.00} in DMV fees to XXXX, with no real explanation as to why. 
After months of repeated attempts to contact Chase to get answers, I sent a letter in XXXX XXXX stating I needed a clear timeline and schedule of events, assessments, and payments so I can clearly understand what they were stating I owed and why. I stated that if I did not receive a resolution I would be forced to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) to review the situation. 
Once I sent my letter the case was escalated to a manager within Chase, XXXX XXXX. XXXX XXXX promptly called me and stated the previous Customer Service agent made some mistakes and that Chase would cover the balance owed and she would personally support the case. I thought everything was handled until I received a packet from the XXXX DMV stating that they were sent an incomplete application and the title " needs a company stamp or name with counter signature on section XXXX of the certificate of title ''. 

Not knowing what this means or what to do, I called XXXX XXXX four times over 2 months, each timing leaving her a detailed voicemail, with no response. I called Customer Service multiple times and they were friendly, but unable to understand the issue or what to do. On XXXX XXXX, XXXX I spoke with a customer service agent who was able to reach XXXX XXXX via internal Instant Messaging while I was on the phone, and XXXX XXXX still refused to take my call. But she did agree to let me email her the information I received from the XXXX DMV. 

After reviewing the information, XXXX XXXX emailed me to say this needed to go to XXXX XXXX for a signature. I emailed her multiple times, we spoke on the phone, and I made it very clear that Chase needed to tell me WHO at XXXX could help ( I did n't want to send it to a generic address where their Customer Service team would n't know what to do with it either ). I still did not understand why Chase did n't handle this back in XXXX XXXX, and XXXX stated she did n't know why either, but that I needed to send it to XXXX. 
Unfortunately she sent me a XXXX envelope with a generic address to XXXX Financing, and when I sent them my title packet from the XXXX DMV with a letter explaining that I needed their signature, they sent it back to me unchanged with no letter of explanation. 

At this point I have had a loan with Chase for 16 months and still no operating title, which is a huge issue. It is imperative for Chase, the state of XXXX, and myself to have a proper title. It also seems clear that Chase will only communicate with me seriously on this matter if I threaten to escalate to you, the CFPB. That however, has also stopped working, which is why I 'm now filing this complaint. Please help!
Consumer complaint received 2016-06-27
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

Portfolio continues to report a balance to my credit report ( see attached ) for a credit card debt that was settled in full in XXXX XXXX ; I have disputed this both with the credit reporting agencies and directly with Portfolio ( see attached ) with no response and no action to correct this violation of the Fair Credit Reporting Act ; further, per FTC Opinion Letter ( FTC-Cass Staff Opinion Letter, XXXX XXXX, XXXX, " ... we believe that reporting a charged-off debt to a consumer reporting agency ... constitutes " collection activity '' on the part of the collector ... '' ), the reporting of this balance is a collection activity for an account which has been paid which is a violation of the Fair Debt Collection Practices Act and other federal laws.
Consumer complaint received 2015-06-07
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (CA)

About 5 and a half years ago my wife and I tool out a loan against her car from Wells Fargo Auto Finance. Shortly thereafter I declared chapter XXXX but specifically excluded this loan from the process because my wife and I got a legal separation and the car was hers and the payment was being taken out of her bank account. When notified of my chapter XXXX declaration Wells Fargo stopped taking the monthly payments from my wife 's bank account. I was not aware of this for several months and my wife did n't notice that Wells Fargo had stopped the automatic withdrawals from her bank account. Neither myself or my wife or the trustee had told Wells Fargo to stop the withdrawals. It has been well over 5 years since they stopped the withdrawals. Neither my wife or me has heard any communication from Wells Fargo concerning this matter. My question is can we request Wells Fargo to sign off as a lien holder in order to get the pink slip? Has the statute of limitations expired?
Consumer complaint received 2015-11-02
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I do not acknowledge this debt. 

Portfolio Recovery is reporting a debt to the credit reporting agencies past the 7 year limit. The date of last activity on this account was XXXX 2008. They are still reporting this account after the 7 year federal limitation. 

The date does not begin when they buy the debt, but the date of last activity with the original creditor. The statute of limitations " clock '' starts ticking on the date of last activity on the account. This is the date of last made payment in XXXX 2008. 

If they continue to violate the FCRA my attorney will immediately file suit for violation of the FCRA. 

Please investigate this collection agent for violation of federal law.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AZ)

I am writing to remove the inquiries listed below and to request verifiable proof bearing my signature or electronic authorization. I never authorized these actions, which constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ) 604. These inquiries were initiated without my consent or proof from the reporting companies, and thus, they are not factual. The FCRA mandates that credit bureaus remove such unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I am writing to file a complaint against Experian regarding unauthorized hard inquiries on my credit report from XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX XXXX XXXX ). These inquiries were not authorized by me and are negatively affecting my credit score. 

Details of the Unauthorized Hard Inquiries : XXXX XXXX XXXX Inquiry Date : [ XXXX ] XXXX XXXX XXXXXXXX ( XXXX XXXX XXXXXXXX ) Inquiry Date : [ XXXX ] According to the Fair Credit Reporting Act ( FCRA ), only inquiries that I have explicitly approved should be included on my credit report. I have contacted Experian to dispute these inquiries, but they remain unresolved.

I kindly request that the CFPB investigate this matter to ensure compliance with the FCRA and the accuracy of my credit report.

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

On XX/XX/year> these Companies pulled my credit profile without my Authorization. This incident was reported as identity theft & should be removed from my credit profile. - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-07-19
Product: Credit card — 
Issue: Sale of account — 
Company: JPMORGAN CHASE & CO. (AZ)

I had XXXX credit card accounts with Chase bank back in XXXX. XXXX went into default and I eventually settled XXXX of them with Chase in XXXX 2010 using my Chase Checking account to make the payments ... years later Chase either sold or " placed '' a settled account with XXXX XXXX and now XXXX XXXX has been on my credit report and has been trying to collect on me for years. I have written to Chase and to XXXX multiple times over the years and have filed formal disputes with XXXX and XXXX. XXXX finally deleted this false report but XXXX did n't, and I have no idea what XXXX shows. Regardless, I have made multiple efforts over the years to get XXXX and Chase to validate this alleged debt and they have failed to do so each time. I feel as if I have no other possible recourse to resolve this matter because my written disputes are essentially ignored by XXXX and they make absolutely zero effort or attempt to validate their debt and supposed claim to be able to have this on my credit. XXXX also provided no specific response other than to say they are updating my report to reflect that I have disputed this, but they did n't address the substance of my claim or Midlands complete refusal to validate the debt they are claiming is owed. 

Please help me find someone, somewhere, who can help make XXXX accountable for their own obligation of validating an alleged debt, because they flat out refuse to do it on their own.
Consumer complaint received 2016-02-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NC)

We are writing this Complaint due to the fact that our Family experience a Hardship & that we have made many effort to workout somekind of re-payment plan by making numerous request to our mortgage company Wells fargo Bank. On XX/XX/2015 my Family experience a fire in our Heating/Air System we later found out that our warranty had expired the previous month. Due to our warranty expiration we were notified by our Homeowner Insurance that our Heating/Air electrical fire was not covered.Due the news we faced a large repair bill that had to be fixed due to the very hot weather & the recent moving of my mother-in-law whom is suffering from a XXXX XXXX ... we made many calls to wells fargo & never got any assistance but the usual transfer & hold for long times. On XX/XX/XXXX my wife & myself finally were transfered to the Home Preservation Dept. The representative we spoke with advised us that we did qualify for a repayment plan but only within 90 days & that we should of been advised of that previously. the representative said that we had to pay the entire balance and they could not help us with a re-payment plan.since then Foreclosure has been filed against our Property.we are filing this complaint because we made many phone calls & we were not advised properly about the repayment plan rules.. since then we have made efforts to make payments and it has been refused ... Please Help a Desperate Homeowners..
Consumer complaint received 2016-11-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (IL)

In XXXX XXXX I contact my mortgage company Wells Fargo regarding the status of loan. My monthly payment went from ( {$2000.00} to {$2500.00} ) and I contact Wells Fargo seeking some assistance to reduce the monthly payment. The increase was due to an increase of my property taxes. At the time Wells Fargo said I would not qualify for a refinance but I could get a a loan modification. During XXXX through XXXX of XXXX I continued to make all my payments to Wells Fargo. Wells Fargo recommended a loan modification to me as plan to help me, but this plan has really just caused me nothing but trouble now that I look back. My credit score has be dramatically impacted. I 'm just confused and frustrated how Wells Fargo collected {$9900.00} from me but reported me late on my credit report. While working with Wells Fargo every payment was made directly to this Loan Modification unit on time. I just do understand why Wells Fargo could assistance their customer by telling them to destroy your credit but continue to pay us.
Consumer complaint received 2016-01-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

In a letter dated XXXX/XXXX/XXXX, the bank ( falsely ) claims that the entire forgiven amount {$150000.00} was principal. That amount as principal is not possible -- based on the declared principal at the time of my original purchase and the new principal due per the work out plan. 
The bank, under the direction of the Federal Bankruptcy court for mediation, finally offered me a workout plan based on the bank 's determination of the current value of my home. To my knowledge, there was NO independent appraisal. That mediated agreement was signed XXXX XXXX XXXX. 

The details for that FUTURE workout plan included the bank 's claim that I owed {$290000.00}. I do not know how they made up this number. There was never a time when I owed such an amount as principal. 

The original note I signed in XXXX was for a principal amount of {$180000.00}. The new principal amount from the XXXX agreement is {$120000.00} ( interest bearing ) + {$13000.00} ( non-interest bearing ). 

That is a difference of {$49000.00} in principal. Where the {$150000.00} claimed as PRINCIPAL by the bank came from is a complete mystery. It seems the bank can make up whatever numbers they like and make whatever claims they wish and too bad for the consumer. 

First, I 'm told by the bank contact provided that I will have an answer by XXXX XXXX. -- to the simple question I asked in XXXX. 

Then, I receive a notice that it will be XXXX XXXX. 

Today, I received a notice today that the bank will contact me sometime within 60 days. 

It took the bank TWO months to send a notice that they will respond sometime in the next TWO Months? What then? Another notice that the bank will take another 6 months to send another notice? 

This is not reasonable. The bank has the information -- they had it when the provided the work-out plan -- in XXXX XXXX and they had it when they sent the confirming paperwork in XXXX of XXXX and they had it when they sent the final paperwork in XXXX of XXXX. The bank is refusing to disclose essential financial information to me - the consumer. 

What purpose does it serve to not provide me with the proper, lawful disclosures of financial information? I did NOT ask to renegotiate or change anything -- I simply requested the specific numbers for principal, interest, insurance, and taxes.
Consumer complaint received 2016-06-29
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

I have reported many past issues with greentree and have lost alot of money and had them attempt to foreclose on my home several times illegally. I need them now to clear my court and credit reports since it now looks like i had a foreclosure when im in the home. I need to see if all the past issues i reported qualifies me to be a part of the settlement with green tree as well. they have added XXXX in fees on my account through all of this
Consumer complaint received 2016-05-07
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (CT)

I reported on XXXX XXXX that an unauthorized atm withdrawal was made to my American Express Bluebird Account of {$160.00} as well as ATM fees. I spoke to a representative which then informed me that American Express Blue Bird customers have a 0 % Liability for Unauthorized ATM withdrawals and that she will assist me through the process to retrieve the money taken out of my account. She then informed me to fill out the proper paperwork that it will be emailed to me within XXXX hours. I filled the paperwork and sent it in and within XXXX hours I go to look into my account to print records to bring to the police and could not access my account. I then checked my email and received an email claiming my account has been suspended and that there investigation ( within XXXX hours ) came to a conclusion that it was n't Fraud. I called the number which said to contact to retrieve the paperwork that made them come to the decision and was transferred 4 times and put on hold for an hour to be told that the only information that can be given to me is that my account has now been closed. I am outraged that even with consumer XXXX % ATM liability an investigation took so quick and an outcome of closing my account without access to my deposited fund are now unavailable. Yesterday the representative for BlueBird insisted I leave the money in the account while the investigation proceeds and that they will do a thorough investigation which could take 45 days which I agreed. I was looking forward to finding out how the money was taken out in the first place. It took like I said before XXXX hours after sending in the paperwork to submit to fraud for them to investigate and then find out they restricted all access from my account. Once again leaving me with no way to inform the police let alone gain the necessary records for myself to settle this situation. I just would like everyone to know that American Express BlueBird is a scam and quote what I was told by a supervisor, " In the Terms which you agreed when you first used the card, American Express has the right to cancel your account at anytime. '' I went through the proper channels to try and fix the situation of money being stolen and American Express becomes the second crook of money being taken.
Consumer complaint received 2016-02-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC (CA)

ON XXXX/XXXX/2016 I discovered a debt owed to XXXX on my credit report being reported by Transworld Systems. I found this strange since I always pay my bills and never was notified that I owed XXXX any monies. Upon contact TSI, I advised them of the situation, to which quickly we figured out they had an incorrect address for me. Clearly, this meant I was never properly notified of the problem. Should I have been notified of this bill and the impending credit reporting I would have paid it and avoided any credit reporting or continued collection attempts. I remain adamant that their failure to notify me in any capacity, phone/mail/email of a potential adverse remark being placed on my credit report is not in compliance, and request they allow me to rectify this without the penalty of it being on my credit report for 7 years. I demand they properly notify me of the balance and allow me 30 days to pay before it reports on my credit reports like every other consumer is afforded that right.
Consumer complaint received 2016-07-12
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (FL)

I referred XXXX persons to apply for AMEX XXXX credit card, and I shall receive XXXX bonus points per person when they get approved. I sent them the invitation email through AMEX system, and they received and clicked the link in that email to apply and they XXXX all got approved for that card. However 8 weeks later I did not receive my referring bonus. I contacted with AMEX and they said there is no record that my friend applied through my referring. I swear XXXX that I watched them click the link in my referring email and then get approved. How could they have no record!!! It must be their system errors or the bank intend to lie for this issue. I learned from social media that I am not the only one who met with this issue with AMEX and I believe that you also received other complaint about this issue. I just want to get the points I should receive. I have contacted with AMEX and they filed a investigation but keeps the same conclusion.
Consumer complaint received 2016-05-17
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (VA)

I have had my accounts repeatedly incorrectly reported by Navy Federal Credit Union, after I have taken multiple actions through the CFPB, Credit Bureaus and even legal action. They refuse to correctly report information and continue to damage my credit report, in what seems in an intentional way. I had a Bankruptcy that was filed XX/XX/XXXX, at that time navy in terms of my accounts ; closed, wrote off and terminated my membership. The subsequently then continue to report incorrect information, including ; showing the items " included in bankruptcy '' in XXXX XXXX, which is incorrect and severely damaging my credit report. My bankruptcy was indeed discharged in XXXX XXXX, but instead of showing it discharged, they are characterizing it in such a way that appears I am just filing for bankruptcy in XXXX XXXX,
Consumer complaint received 2016-04-06
Product: Credit card — 
Issue: Billing statement — 
Company: AMERICAN EXPRESS COMPANY (VA)

I closed an American Express Account and was given the outstanding balance which I paid in full. Tonight I went online to check on some charges on a different and found that there was an outstanding balance on the account that I had closed as well as a finace charge and late fee. I had several instances when? I had contacted Amex regarding this not receiving paper bills on this account and had requested that they resume sending paper statements, but I would only get the current statement and future statements would were not sent. I have an issue with a credit card company not notifying me in any way regarding my balance.